Carrying cost loan (closing costs on loan and interest), utilities, etc can be written off from a tax standpoint to reduce your liability/  

Do they do DSCR loans on MTRs/STRs?

I am looking to connect with investors who are looking for fix and flip, DSCR, and bridge loans. 

Our loan is for our primary address.

(has anyone actually read all the documentation for these loans to see if something addresses this?)

The loan on my current home has a 6% interest rate.

Those fields would be relevant if you were taking out a loan on the property.  

What are some loans that don’t require 2 years of work history?

Since you have mostly commercial use, you'd most likely need to speak with a commercial lender.The only other problem I am seeing here is the loan amount. 

Fairly cosmetic rehab incl roof replacement and mechanicals, $40K budget, done in about a month and a half, and now am moving towards placing into property management and flipping out of my rehab loan.