It has been on the market for just over a month and I have adjusted down rent 3 times already.

If the current furnishing will remain, you could do STR until you cant, then adjust.

You could get a 30 year product (fixed or adjustable) starting at approx same rate with 5 year adjustable (fixed for 5 years then adjusts) fixed rate would prob be in high 6's low 7's depending on credit score.

You could get a 30 year loan either fixed or adjustable (on properties 1-4 units), rates are dependant on credit and how high you go on LTV.

That cost does not adjust to your rental rates, whether that's $2,400 in Austin or $800 in Toledo.

Become friends with a local CRE independent adjuster and follow their recommendations.

@Krystal Thomas sounds like this one will be tough with her net adjusted income. 

If after all that, you need at near/at/above your cash flow desire, then great.COCR is easily adjustable depending on what you end up putting in.

When you adjust the numbers, their "good deals" don't look so good anymore.To make it useful, the user still needs to be reviewing all numbers and adjusting them to the proper amounts. 

I'm not going into this expecting to lose money, the analysis I have shows it will cash flow but there is a large variable of vacancy and no matter what research I do it's hard to nail down or say I'll be able to reach what my goal are and this is why my estimates shows the "worst case" is -$4k if we can't rent it like we're expected to.With that though, since we're new if it doesn't cash flow then we'll adjust, learn, and try to make it cash flow but who knows...Here is my original post asking about the numbers: https://www.biggerpockets.com/forums/530/topics/714890-how-to-calculate-vacancy-for-a-seasonal-place?