It will depend on your goals (leave a large inheritance versus spending your money over your lifetime) but your portfolio likely will be generating average returns in the 6-8% range while retired and if you're only withdrawing 4%, even after factoring in inflation you're really not spending down your nest egg.

It may be that a conventional loan product is better to start, but i just have to factor in the longer runway to getting funded (e.g., underwriting, etc.)Let me know if there's a better way to think about this.

That will be a big factor with regards to whether you can qualify for a DSCR loan or not. 

Have you looked into property management options or run numbers factoring in potential vacancies and maintenance?

Given the short-term nature of mid-term rentals, including utilities can make your property more attractive to potential tenants, but it’s essential to factor that into your overall rent pricing.The best way to go about this is to ensure your listing is visible to your target audience.

As you scale, make sure to factor in seasonality, renovation surprises, and buyer demand in different areas.

.✅ Factoring in seasonality—peak months can be lucrative, but slow seasons must be accounted for.✅ Looking at property management options—self-management can save costs but requires effort.4.

location of your QI really isn't a factor. 

However, the success of your project will depend on factors like location, renovation costs, and market timing.Many investors have found great success by focusing on high-demand neighborhoods with strong buyer interest.

When you have a good cash on cash from day one, it means that appreciation won't be that great.There are many other factors to look at as the neighborhood and the age of the property those are going to give you a better undertanding on future growth