Current rent is last on that list. 

As a prudent buyer, you should strive to pay a price that makes given the current actual income and expenses.

Typically DSCR is minimum 20-25% down, they will utilize a proportion of the current or proposed rental income to qualify.I'd have a second look at the income for full documentation qualification as well..there might be some other ways to qualify income..including asset depletion..

My guess would be no, even though currently they are grouped together and characterized together.

Hey Tom I have a lot of experience here in Pinellas County, currently managing about 65 units.I would recommend staying out of Tarpon as they are strict 30 night minimum rental, and the demand is not as high as Clearwater/St Pete which also have 30 night minimums. 

Hello team,We are a vacation rental management company in Miami and currently looking to expand the number of properties we manage.We would be happy to hear from your experience which actions could help us to get new customers.1.

We have an existing 5 car garage which I plan on converting into two ADU’s, and an existing 400 - 500 sq.ft conditioned space that is currently not being used for anything.

Rather than accept an offer to cash out (offer restricted by current appraised value which because of recent vacancies was low) I chose to sell on a wrap around note.

Glass claims (windshields) absolutely can affect your pricing with your current carrier and especially if you're shopping with other companies.4.

Lastly, it could be that the bank is going to portfolio your loan at below-market pricing because they want the entire banking relationship (deposits, transaction processing, consumer lending, etc) or simply want the risk (yield).Lots of local and regional banks have been retaining loans at really aggressive pricing recently as the current environment makes this favorable for them.