My one concern so far with their application, though, is their combined credit card debt, which is four times that of the average US household, and twice as high as the average for their income bracket (they also have student debt and an auto loan).

David Columbus, Ohio is a strong market for short term rentals due to the growing hospital systems (new build with over 900 beds), The Ohio State University with over 50,000 students and the young professional population in the growing tech industry here with companies moving in such as Intel: https://www.dispatch.com/story...

Enhance your listings with high-quality photos, virtual tours, and detailed descriptions.Incentives: Offer move-in specials or discounts, such as the first month free or reduced security deposits, to attract tenants.3.

., It's highly doubtful that this will hurt you as long as your CPA continues consistently with the reporting path they recommended. 

New supply hit all-time highs or very close to it for many cities in the state.

The population has gone from 1,000,000 to 500,000 over the last 75 years.

Even if it is not a requirement to have a high credit score for approval most asset-based lenders will use the credit score to determine your rates and terms based on your risk factor.

Strong job and population growth, plus VSU and the military base are steady growing.

But with your high income and not a lot of savings I would try to save as much as possible for the next few years and then reap the rewards.

Look for markets with diverse job opportunities, population growth, and a strong local economy.Financing: Explore your financing options, such as traditional mortgages, home equity loans, or investment property loans.