If your second home is located in a federally declared disaster area, you may be eligible for temporary mortgage relief options such as:- **Forbearance**: A temporary suspension of mortgage payments for up to 12 months.- **No Late Fees or Penalties**: During the forbearance period, you won't be charged late fees or have delinquencies reported to credit bureaus.- **Repayment Options**: After the forbearance period, you won’t be required to repay all missed payments at once.

Something to be aware of.We've filled vacancies at our medium-term rental in Denver in January before, but had trouble in November and December, so I don't know if the winter is tough or if its simply the holiday season.I'd be more interested in buying the right place whenever it comes up.

And who should be held liable for the damage?

You could also pay no points on a DSCR, however the rate will be higher. 

Any advice or insight would be appreciated before I lawyer up and book my flight to AZ!

Whether it be a real estate deal or a note deal, we always determine multiple exit strategies and what the downside risk is before making an offer. 

Are there any gotchas that I need to be aware of?

Questions to Ask Tenant ReferencesWhen calling tenant references, be courteous and respectful of the previous landlord’s time.

One used to be able to cash flow with 10-15%. 

This should be a 100% pass and do not even read further.2.