I work with some builders and they have 2-4 units with rates in the 4-5% range.

They offer free pre-qualification on their website where you can enter your data points to see available terms and rates.

That rate does not sound out of line for an STR.

The rate will be higher, but if conventional financing and traditional DSCR financing is not working out, this option is available. 

Although there are advantages to waiting too, such as if interest rates continue to drop.

Budget, how much will rent be, interest rates, how much down, and more.   

DSCR recently came popular in the loan brokerage and private credit space with the rise of STRs and MTRs.Your local bank lenders will have the best rates typically.  

In 2020/2021, when rates were at all-time lows, this area was super hot, like most other Atlanta markets, and investor demand was high.

As a parent, and landlord, and previous renter I will always choose to live or rent in the area with the higher rated schools - maybe they aren’t Blue Ribbon Schools, but a C+ rated Elementary School > F Elementary School.

And for reference my sister is dealing with a run down house in Louisiana that has a value of about $95,000 and she shopped multiple policies with multiple insurance companies and the best rate she could get was $2500.