So I don't know what to do.

My company does over 30 DSCR loan transactions a month, so I definitely have a lot of experience with that program.Mid term rentals can be tough, but they can be done.LTR (long term rent) is easier for DSCR, that would be a traditional 1 year lease tenant.I'm very familiar with the OH state market, if you have properties in mind you want to purchase, they most likely will qualify for LTR so you can do a DSCR with 20% down. 

@Ray Slack  It should go toward lien in a certain order, so if there are other liens it possibly will not be paid off. 

But the concepts apply across a wide range of topics, so I'm posting my TED talk separately.1.

Obviously owner is Seller financing for their own tax strategy purposes so wondering if that affects the advantages on my end as the buyer?

Ive called around, and there is Fannie mae agency loans with competitive rates like 5.9%, with a 5/30 amort.

There are talks of restricting the amount of STRs in the community, so stay diligent.

So starting with an agent probably won't work.Your best bet is to start networking, going to meetups, etc.  

He is a regular at our meetings, so you can also connect with him there. 

So make sure you calculate the tax using ARV and not the purchase price. 3.