The reason I post this here is because I got totally different answers from two CPAsHere is the story:I bought the house as investment property and run it as STR for the last two years.

Parts of Garden City Beach are prone to flooding, so if you're buying a single-family house you'd definitely want Flood insurance. 

Was going for the best cost-of funds (lower rate)

Working with a mortgage broker that specializes in DSCR loans will help you find better rates and programs such as lower DSCR ratios such as a DSCR 1 ratio for better terms versus needing a 1.2 or 1.25 DSCR ratio (more on that below).

Especially in today's high interest rate environment, a low income buyer is usually going to be better off renting than buying.

It's probably going to mean paying points at closing, a high rate, and a serious pre-payment penalty (like 5 years). 

Your monthly corporate rental rate is $2800 per month and you have an 80% occupancy rate. 

I wholesale houses and there's not enough time in the day, let alone us trying to sell people a program.

While I know Brandon and his team has experience, the going in cap rate is very low for MHP (I was told mid single digit).

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.