Since I am assuming you aren't a super host and don't have any or many reviews yet, you will want to underprice your competition to get some traffic and then you can tweak prices from there.  

Unless you are super famous on TV and a celebrity you do not need anything.

If you recall when the rates jump super quick a few years ago many of these same hedgefunds/insurance companies just one day decided to stop lending all together until rates stabilized..

This is super helpful to hear the contractor point of view. 

Recommendations for you would be to keep super meticulous records of all the costs you’re putting into the property, so your tax pro can make sure you’re capturing everything 1) correctly and 2) in the most tax advantaged way. 

The chances are super low that a HELOC will make sense on this property anyway with today’s rates, if you can even get one which is unlikely, so it’s basically a moot point IMO. 

Even with super host status.

The units all have tri-paint jobs with ceiling paint, a nice wall color and super-white glossy trim on everything else. 

If REIPro isn’t cutting it for your skip tracing, give Prime Tracers a shot—it’s been super reliable for connecting with the right contacts without breaking the bank.

Solid comment but also adding that 0.90x DSCR is not a hard minimum, a good amount (probably not a majority but not super rare) have "no ratio" DSCR loan programs with no min DSCR