@Andrea Evans-  get  pre approved to see a  lender  can accept your  explanations and also to see if can  qualify 

Of course there are plenty of explanations, but it could be a red flag. 

I'll just contact my buyer right away with yet another great deal.I hope this further explanation helps a little.

Thank you all for your explanations.

Davis county is basically Salt Lake suburbs.Utah county:  Geographically constricted and full of tech and health care jobs. 

Below is a podcast I was featured on that I hoped would be a more advanced than normal explanation of STR considerations in general as well as specifically for the San Antonio market...I hope its helpful to hear someone talking investor language on this!

I push pretty hard but in a nice way, and ask for explanations of everything.

(complicated but here's a long explanation :https://cgbarbeau.blogspot.com/2024/02/fha-self-sufficiency-... ) When a property is higher cost the rents don't cover the PITI for all the units.DCSR requires 10% down and property rent ready.

This is an over-simplified explanation, but maps cannot show what is really happening on the ground.The growth in pricing is fueled primarily by investors.  

Renting by the room is a great concept in theory, but nonetheless, you need to understand where you are looking geographically (how close is the property to the university), and second to that, you should consider -- do you need to get a duplex to make the deal cashflow?