Just trying to figure out our options here, would love to keep the interest rate if possible for obvious reasons.

Our occupancy fell so low that we converted the San Diego STRs to LTR in the school year and STR in the summer.  

I would bet good money that they are paying below market rates.In case you missed it: get rid of them.Spruce the property up, study the market to determine a fair market rate, and find a renter that is willing to pay the market rate, pay the deposit, and abide by your agreement.Not everyone is cut out to be a good landlord.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I might start by calling  my insurance agent and asking how this will affect my culpability, not to mention rates.

Usually income will have to work at the fully amortized (principal + interest) rate. - Lower down payment programs. 

I'm aware of the vacancy rate being 6% in the SFR industry but I was wondering what percentage of units go on the market every year from your portfolio.

If that is the case, you will most likely have to use more of an “investor” loan product, which will have a higher rate associated with it. 

As we all know, the market is crazy right now with rates and all but I have been wanting to start investing.

Average Rental Rates, Q1, 3br, 2ba, Single Family2024: $16822023: $16302022: $1523Average Rental Rates, Q1, 2bedrooms2024: $11372023: $10792022: $1102-John Williams, Property ManagerClarksville, TN