Investing is different from speculating, in that it’s data driven and therefor predictable and you have factors that play in that covers your downside and strengthen your chance of upside. 

Entrepreneurial drive.

You can close in an LLC and don't need to provide employment history, income or tax returns, and DTI isn't a factor.

When you drive out to your example I'd be thinking.....hmmmm why is there a tennis court next to the deal I'm getting ready to buy? 

Location and amenities are the two most important factors that bring potential renters to an STR. 

One of the biggest factors at play right now is data transparency among lenders, we can see a lot of the industry-wide trends.

Nonetheless, I am not out to impugn anyone's intentions and I do understand (as Jay rightfully points out) that the self-employed (my situation for the past 20 years) especially run into times in their lives when conventional lending sources are of no use due to limited reportable income and other factors (such as when, for example, you retire in your 50's and begin to live off of your lines of credit, etc.). 

Most (not all) HELOCs require that the property is titled to an individual (not LLC) and are full doc, meaning your employment history, income, DTI etc will be factors.

If you need to get it rented fast, a great property manager would list the home for $2100 (below market) and get several quality applicants competing against each other to drive the price up to the max so you don't risk vacancy by starting out too high and gradually reducing to find the sweet spot.

@Damon AlbersI hate the alphabet rating system because it is such an arbitrary thing that boils down many important factors to one letter.