Where are you getting your data that home owners are not selling and turning them into rentals?

They could easily be owner occupants who need a place to live.

Another lending option you can use aside from DSCR is Bank Statement loan program since you are a business owner.

If I buy a gallon of milk at the corner store, that doesn't make me owner of a commercial property. 

As an owner of one rental property, I found out that I was/am supposed to send a 1099 to a contractor who did some work for us on our rental property last year, and file a 1099 on that same contractor with the federal government.

They care about the occupancy and financials a lot. 4. if you are going to run a owner occupied business out of the property such as adult care facility and you are considered 51% owner occupied you can do 20% down and really good rates. 

I created a VA LLC with my daughter as the owner (for my anonymity and asset protection), and was planning to hold private mortgages (using another LLC I created), to strip equity and for anonymity.  

Currently we are seeing STR owners posting for sale due to reduction in prices they can get per night and the vacancy rate increasing.

New to Realistate, I found we have access to free information and books are inexpensive. I’ve been studying and networking for some time now. I’m hoping to have the first rental in June. Thanks to you all for you post...

Here's a possibility: prior to the hammer, owner sold the property (actual cure) or provided evidence of an upcoming settlement and lender agreed to it (enforceable promise to cure)