The answer is yes, 2nd lien DSCR loans exist and more than one lender can do them, but you would probably have to up your credit score to be able to get up to a total of 75% ltv between 1st and second lienOtherwise, you would have to get lucky on a favorable appraisal.

She knows all of the regulations for the area.

Goal setting is not something you should wait until the end of each year to do, but if you have been busy and maybe haven't been able to get around to either brushing off your old goals, validating your existing goals, or creating your new goals, now is the time to do it for 2025. 

The STR regulations are very black and white and I don’t see many, if any, clients having issues with obtaining insurance if the house is in good condition.

I had a cost seg done on one of my homes and trying to get one done on another from this company that rob with bigger pockets had done a set on.Every time I email them it says there email doesn't exist and cannot get a response.

As I mentioned above, the risk of being sued, found guilty, and fined more than your insurance will cover is almost non-existent. 

Not following the requirements (within Seattle city limits will likely have additional rules and regulations) opens the seller up to liability.Additionally, the seller always has the option of offering "cash for keys" arrangement but be sure that no funds change hands until after the property is vacated and locks are changed.John

For STRs, focus on areas with robust tourism and flexible regulations.

As others stated, if the existing structure is legal but non-confirming that should not be an issue.

The regulations around what properties you can add Tiny homes too was cumbersome.