While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

You may have to do one as part of the loan process and I wouldn't want you to end up paying for 2 appraisals if the lender doesn't take the one you ordered on your own.

The builders loan couldn't approve us for the amount we need to get, but we had a loan broker find a loan for 10% down DSCR with a 2nd home status instead of investment home.

@Konstantinos Lembesis If you search for posts using the city as your search term you will find many discussions that should give you more context than you might gather with a single post.

Conventional Loan How did you add value to the deal?

The garage and the fact that a long term tenant was in place paying market rent.

Many investors are successfully renting out their ADUs to short term travelers.

It super easy you sign up to have a quick call and do a quick tutorial with a Rep and you receive a certificate that you give to the Banker/Loan officer.

From what you’ve described, it sounds like you’re more focused on long-term appreciation and future benefits rather than immediate cash flow.

With that said, the income can still offset the cost of holding the property as a long-term investment.