There are a lot of options for DSCR programs, but only a few that do very well with short-term rentals.

Fits the relatively narrow spaces well.2) Sliding doors: a little more privacy but more difficult to install.3) Walls: possibly need a permit, but might be easier.

@Elliott Beckstrom, an STR/MTR can generate more income than a LTR, if you set it up right!

With a 30-year amort and 10-year IO options - as well as ability to get rate down quite a bit if you have long-term horizon (5+ years so don't mind prepay) - the rates/terms and monthly payment will likely be very attractive.Others too have done the DSCR Portfolio Loan (Blanket Loan) refinance option too (refinanced the 10 properties that are under conventional into one blanket DSCR Loan and start the process back from 0 on conventional), however, given current rates, don't see it a lot currently since the refinance would typically mean racheting up interest on those

The area is rife with well issues, roads can be sketchy...There aren't many places for sale in that specific area - https://www.zillow.com/homedetails/19077-Choctaw-Rd-Bend-OR-...That is one place that could work, but you would be looking at 250k to bring it up.

If commercial properties, you can seek loans from small local credit unions and banks that base it off of the debt service coverage ratio and regularly provide loans in the 7s.You can also seek commercial loans on residential properties as well.

I have serious concerns for my properties as well due to the new assessments. 

I have properties with swimming pool and playground so I am well aware of the risk management side but a winter item like this is a new for me! 

The only reason we do a cost segregation is during the same year we sold something and are trying to off set that tax liability.

When choosing a loan officer, make sure you find someone you mesh well with and you trust to have your best interest at heart.