Quote from @Stuart Udis: Not creative, but good real estate and traditional financing is almost always better than incredible seller financing terms and lousy real estate.

It's incredible how much you can travel for cheap/free if you learn to point stack and search for flights in advance. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Hi Chris, I know you're looking beyond Ohio right now, but I have some investors doing incredibly well with STRs here in Columbus OH.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Depending on the lender and program your biggest hurdles might be credit score and income and time in job. 

@Devon Shives What's the plan to help the mrs improve her credit score?

For almost any kind of permanent rental/investment property financing (whether Conventional, DSCR, or local bank), you are going to need a decent credit score to qualify.

It’s always an honor to contribute to such an incredible platform that empowers investors to build wealth and take control of their financial futures. 

I screen animals and then assign a score to determine how much to charge.