I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I agree with where Nicholas is going, first, if it's feasible I'd recommend house hacking some type of multi family or even a single family that's local to you. 

SEP IRA contributions can be made until the tax filing deadline, whichever yours may be, even if you have filed early.

Even though I am in south central Pennsylvania, I have the ability to lend in all 50 states.  

We’re also open to alternative ideas, such as tiny homes or even those prefab homes from Home Depot or Amazon.

Even after guests book and pay their message system blocks out e-mail addresses and phone numbers, so I'm left resorting to spelling out my phone number in odd ways to get around it.

Data point: we have a long-term rental in a popular STR neighborhood listed through Zillow right now.Every person who writes asking to do some sort of arbitrage is blocked by the Zillow platform.I don't even have to say "no thank you anymore."  

Maybe even college housing.I would think that maybe splitting it into two units might be more profitable.

That had even a passing resemblance to tax returns or financial statements4.

Even if the listing price is attractive, a higher flood insurance premium can make the property less affordable compared to a home outside the flood zone.