@Zachary WurtzMy recommendation would be to contact geraci or doss law and work with them to create the docs you need and after explaining to them they can tell you what is best to use in the state you are operating in

My market has a low vacancy rate.  

More advanced financials include IRR, Cash-on-cash return, Cap Rate, 5 Year Appreciation values, and all other high-value STR metrics for a solid long-term investment.I helped create the calculator, so if you have any questions, please feel free to reach out.

By implementing these practices, I've been able to maintain a high occupancy rate, minimize vacancies, and build positive relationships with my tenants.

Though I have to ask where you are finding 4.5% interest rates on investments?

Best Regards!

They will also outline a good timeline and tips to help you get the best loan possible. 

I know we want to try to wait to show the property until fixes are done and it looks the best it can, but how much lead time before that? 

Which of these scenarios do you think is best, considering my intention to pay off the loan sooner?

Best of luck!