I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Each metric answers a different question.

Travelers are looking for a different experience than short-term guests.

Property 1 is purchase of 80k and 10k in repairs, property 2 is 40k with 30k in repairs.I'm thinking of different options on how to fund and I'm not sure what options I actually have and/or would be best.

I am sure you know it makes all of the difference on the investment journey.

Malave Each state is different.  

I'm trying to get used to the timing of when the different payments come in.  

NJ/NY is not a cash flow investment market in most parts so you have to buy different than what you might read in most forums.

You can list the property as a "net listing" and take the difference over what the seller is willing to sell for that way. 

Also make sure you interview at least 3 different companies and ask their fees, their business structure and how communication works.