The hard money loans typically will require a pay off in 12 months or 18 months or something like that. 

Are borrowers who utilize these funds typically involved in flipping properties?

If applicants don't meet these criteria, then we would typically allow them to use a US-based guarantor with an income of at least 80x the monthly rent.One more thing- Don't make exceptions based on personal stories!

From what I've seen of their listings, they're typically only considering tax, insurance, and property management. 

It has a typical plywood sheathing and architectural shingle roof.

Additionally, what factors typically increase bankruptcy risk for leveraged investments?

If you go to Google and type in a typical search for Smoky Mountains Cabins, Gatlinburg cabins, etc., VRBO is always ranked higher - typically in the top 2 or 3 - than AirBnb. 

We are highly active in the areas of Independence, Raytown, Blue Summit, Sugar Creek, Lee's Summit, Grandview, Blue Springs, specific areas within the city, etc.We typically like to start with an initial phone call to discuss your investment goals/experiences, answer any questions you have, and tell you all about what our company has to offer.

DSCR loans are typically stabilized properties so doing anything other than collecting rent is not attractive to lenders for DSCR loans.

You can find private/hard money, but they typically don't take second lien positions.