We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

No - absolute max for DSCR is 85% LTV and that is extremely rare and typically not workable in this rate environment anyways.Standard/common max is 80% (acquisition and rate-term refinances) and 75% Cash-Out Refis

I bet the rate of Engineers going homeless is all but 0. 

@Tom Rairdon If you’ve owned your short-term rental (STR) for over a year, it likely qualifies for long-term capital gains (LTCG) treatment, taxed at lower rates (0%-20%) compared to your 33% ordinary income bracket.

We have a 3% rate so dont want to refi but the property has appreciated quite a bit so would like to tap into that equity to fund our next deal.I am having some trouble finding lenders that offer helocs on investment properties.Does anyone know of any banks and/or lenders that do helocs on investments?

They lowered the “taxable value” by 40-50% and then raised the tax rate about 35-45% lowering everyone’s taxes that year.

I am seeing interest rates start in the mid 6% range for foreign nationals here in Florida.

To further boost occupancy and revenue, consider revisiting a dynamic pricing tool like PriceLabs, as it works best with more time and data to adjust rates competitively.

Experienced investors typically value properties like yours by analyzing cap rates, cash-on-cash returns, and income growth potential.

With today's high interest rates, it usually doesn't make sense.