Flat fee brokerages have been around forever, as low as $295.

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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I do think the seasonal factor is huge.

@Ben Cochran I hope you have factored STR tax savings into your cashflow and ROI as it can be significant.

Quote from @Addy Chupa: When analyzing deals, I usually include a 5% vacancy factor and 5% repair factor based on annual rent.

Half assed truths exists forever on the internet. 

They do this by foolishly assuming the good times will last forever and fail to remember the market cycles. 

As a non-resident, I’m finding the process challenging due to factors like high upfront costs, foreign buyers’ taxes, and financing limitations.I’d love to hear your advice or experiences regarding:•Strategies to manage the high initial costs and foreign buyers’ taxes.

I can build cheaper than I could replace but there is a time and stress factor to consider.

At this point I'm not factor in any vacancy because I have more leads on this property than I have rooms.