This is a large community and someone might give you some insights on the lender or the loan officer.  

What really matters is how long you think you will have this loan. 

.🔹 Creative Financing – Traditional loans don’t always work for distressed properties.

I financed the deal with a conventional loan and bought down the rate from 7.75 to 6.25.

Most agency loans will expressly forbid such an arrangement, so if they found out, the odds of having the loan called would be very high. 

The risk I am talking about is the financial risk to repay a debt.

However, if the loan is assumable, that could also be very attractive to a potential buyer and could end up driving what they pay you higher. 

I am responding as a consumer not a STR owner we had one its lasted for us for exactly one tenant then we felt it was too much work for the return  on investment we do much better loaning money and buidling new homes than to worry about people goofing up our homes :)I do have some MTR you know fully furnished homes in Vegas and those are money makers for us top of the line tneants paying double the going rate for rent.

One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverage Ratio) is under 1.🔹 How It Works:If your rental income falls short of covering your mortgage (PITI), you can use liquid assets to supplement your income.

They are just going to use their 2nd VA loan to buy their next one while this one is tied up.