They typically require 20-25% down so it sounds like you're good there. 

I received an insurance pay out and lost rental income through September 2023, which has since ended. 

From what I have read on the BP forums on this topic it seems as if your best bet of achieving this is going through a smaller bank and not your typical larger national banks.

How much vacancy happens in a typical year? 

Best deals I have received were from wholesalers.

You can post the deal in investor Facebook groups, but you risk receiving lowball offers. 

My question is there typically enough demand for a 90 day minimum furnished rental to make it work?

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

We're still seeing lucrative deals receive multiple offers from competitive buyers who are willing to waive their contingencies.

What is commonly known as DSCR Loans are loans from private lenders, not typically banks, and these loans are part of the "Non-QM" umbrella and turned into mortgage-backed securities, not typically held on a bank's balance sheet.Here are some articles published on BP that should help!