Sounds like very high risk for the landlord to me.

SBA lenders are confident the deal is lendable, but SBA rates at prime plus 2.5% are high, and I don't want to risk default.

And purchasing in a high end college town eliminates any "deals".

We left the Mile High Wonderland and drove ourselves (and two dogs) down to the tip of Florida, taking it all in. 

Provides excellent hospitality services and quality cleanings. 

I for one missed your posts.. being on the lending side for decades this is something we deal with daily.. and its never going to stop.. you have the bad judgement folks , you have the inept and you have the out and out thieves.. part and parcel of what brought these folks to this situation is highly risky assets that take a ton of work to figure out and work out. 

(i'm a remote investor) Unfortunately the appraisal came in very high so I'll need to pull comparable sales!

I have a high credit score, good income, and money in the bank, but I have been having a difficult time finding a DSCR lender I feel like I can trust.

This sounds like a high-end neighborhood.

It is highly advised to keep learning continuously as the real estate industry is constantly evolving, and staying updated is crucial.