We have bought loans like this from existing lender as well as refinanced borrowers into a new IO loan. 

It's an acreage property near the lake that has a main house (2/1), guest house (3/2), and small studio-layout unit (3 units on same property).

However, before deciding on a DSCR loan, it’s important to analyze your existing first mortgages—including their rates and the current loan-to-value (LTV).

I bought my first house 2 years ago for 255k 20% down at 6.375% APR.

Hence spec house.  

To set the stage, I'm owner of a short-term rental property in the Poconos in PA and we use a property management company for bookings, maintenance/cleaning, guest management, etc.This past weekend we had a guest booking but when the guests arrived Friday evening the house had no running water, though it had been running fine earlier in the day when the Property manager (PM) was at the house to give a final check and leave the welcome packet.

What is she doing now in terms of paying for housing? 

buy house  find renter rent house maintain house pray they pay rent and dont destroy it.

I have land with a house and plan to build a a house for me to live in soon there.

In my opinion, the best agents, appraisers, home inspectors, contractors, lenders will utilize AI as a complement towards their existing businesses to spur greater growth and operational efficiencies.