I work with 4 lenders and none of them have pre payment penalties on their DSCR.

I am working the wholesale angle to build capital for future flips and buy and holds.

Joe, If I am understanding you correctly, this is a misunderstanding of how the airbnb payout works. 

Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.  

Balancing your account and doing taxes should be a breeze if you keep it organized up front.

Changes may be happening at one party but are not being fully communicated to the others, resulting in the different parties working in different directions with different expectations.

I'm an executive creative director in advertising, having done agency life for 25+ years.

Maybe you can get the bank to work with you, but maybe you can't. 

Under most Bankruptcy laws, you can't take the person home away, thus finance companies won't work with you. 

Find out if there is a wall with convenient access to plumbing drains. and if that area could work as a kitchen.