Doing general paint and carpet cleaning for this property along with some minor repairs, junk removal and fixed a couple small plumbing issues (mostly deferred maintenance).

If you are running into DTI issues, I suggest looking into DSCR loans.

They often offer updated owner records, pre-foreclosure data, and more targeted lists for specific markets.

This is because DSCR loans do not follow/ pass consumer protection laws. when you live in the property, it creates massive problems for this loan type and the lender which would issue it to you. 

One thing to remember is that even within a specific market there can be subtle differences in areas.

I especially liked Matt's process of creating my business plan as it forced me to really think about it, get it right and make it easily understood by my clients.His process for the offering also made me think about transparency and other ethical issues that are required by law to be disclosed in the offering.

Do you use a specific formula?

Houston STR definetly has a more specific need.

Typically when the homeowner is 90 days late on a mortgage payment the bank may issue a notice of default.

If you can come in and operate effectively I think you'll find success rather quickly due to that.BTW - for a property management platform I would highly recommend Buildium.