Usually having a servicing company helps the lender to consider that.  

Such a situation is recoverable if there is enough time for a market recovery and the cash flow is at least break-even (or there is enough reserve cash to cover negative cash flow until it can turn positive). 

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).

Best practice is to keep one or two payments in reserve from the buyers down payment for such instances.

Taking the higher of the two, that's 52k in debt service for 12 months.

Easy to make updates and reprint to put in nice 3 ring binder.Many people are not logged into Vrbo besides person making reservation and appreciate being able to easy get information.

I think the uneasiness comes from not having enough reserves/ funds for downpayment and closing.

These need 20%-25% down, require a 680-700+ credit score, and 6 to 9 months of reserves (reserves are payments in the bank). 

I loathed those things in the service.

Be sure to hold a hefty reserve to handle on-going maintenance, capex, taxes, and insurance.