Given the current environment, it is tough to get cash flow.

What kind of rates/terms can I expect from a typical DSCR loan on a STR in the current environment?

I find that getting any type of decent COC return when purchasing a property at fair market value is tough in today's market and financing environment.

✅ Low operating costs✅ Low crime rate✅ Low risk of a natural disaster✅ Pro-business legislative environment✅ Sufficient population to have economic stability, major highways, and a major airport.

The current interest rate environment has made financing real estate a challenge.

In this high inflationary environment where do you keep your reserves for your rental properties? 

While this figure will rise as additional deals signed near the end of the quarter are discovered, leasing activity has cooled noticeably over the past year, with trailing four-quarter leasing activity falling to 241 million SF, its lowest level since 2020 and nearly 20% below the average recorded during the five-year period preceding the pandemic (2015-2019).Other factors contributing to the pullback in leasing activity include a more-challenging operating environment, a lack of available labor, and a rise in uncertainty surrounding the outlook for consumption.

I was lucky enough with low interest rates to do that, but that's unlikely the case in this environment. 

20% is true the minimum for DSCR, but its also pretty prudent to put down at least that much in today's environment and be careful not to overleverage

You might want to think about getting in tax-free environments such as Roth IRAs and whole life insurance with cash value policies instead of tax-deferred 401ks.