Traditionally, DSCR loans that allowed STR have always wanted DSCR to be calculated on long term rental rates OR 12 months of actual performance or some heavily hair cutted version of Air DNA and all of these products would price gauge on rate.

I put about 60k down to avoid PMI, and it came with a duplex (I live on one side) and a single family netting me 2500/month with mortgage being $2,080.

@Miciah FurbayBuy a primary residence in a good area using a 5% down payment convention loan, don't max out your DTI, in 12 months buy another primary residence with another 5% down payment conventional loan and start renting out the first one.

The lease expires in couple months. 

In addition, I live with my parents so even househacking will still cost me over $400 a month, which is what I pay to stay with my parents. 

I recently moved to the St Petersburg area around 6 months ago and I am looking to purchase something similar in the upcoming months.

Many foundation repair companies (and some pest control) offer services for crawlspaces, to include mold remediation, encapsulation, etc.

We found this property through months of door knocking, post cards, anything to make connections in the neighborhood we wanted to live in.

In addition, I live with my parents so even househacking will still cost me over $400 a month, which is what I pay to stay with my parents.

You work a stable job and make $5K a month.