If business, ordinary rates + self-employment tax.

Qualifications typically center around whether the monthly rental income can at least break even (1.00 DSCR) with the monthly PITI.We would simply need to know the following information to determine eligibility, interest rate, and loan terms for DSCR financing:o Purchase or Refinanceo Property Addresso Monthly Rental incomeo Annual Taxeso Annual Insuranceo Estimated Credit ScoreThe documentation is relatively light as well, compared to a conventional loan underwritten to your personal income/taxes/debts.▪ Entity documents ▪ 2 months of bank statements ▪ Photo ID ▪ Lease agreement (refinance) ▪ Sales contract (purchase)

The properties all cash flow nicely and current interest rates range from 4.25-5.25%.

Since your owner occupied, lending is better.If you find a 5% interest rate, please let me know, I want in on that! 

She still left a one star review and airbnb refuses to remove it because it was her "experience" at my property even though I dont have a single other rating out of 30 thats below a 5.Anyways does anyone have recommendations for better alternatives?

Then every little claim means my rate climbs again.

What kind of CAP rates can I expect in these areas? 

I just had a similar situation where I raised the rent on a unit somewhat significantly to a rate that was better for me but still considerably under market value.

Debt restructurization is common when rate-sensitive project is hammered when there's change in rate especially with these massive volatility.Now what I see is project with 1.4 DSCR initially is becoming 0.80 DSCR after rate increases 400-500bps. 

You sit and you wait....With new construction waiting isn't as bad a renovation because your holding cost is around a 7% rate, where as a renovation you are probably on a hard money loan at 12-15%.