I am considering contacting him and was curious if you had any feedback?

Could you point me in the right direction or let me know where I can find more information?

Feel free to DM me directly :)

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By "their own" I am referring to the guest paying you directly and if a cancellation were to occur you would refund then directly. 

Exactly, poster doesnt have direction and wants us to give him the answer without any context. 

We are a direct lender and we would be in the low 7's right now for that scenario. 

-Most lenders require 5 years of payments upfront for DSCR -Most lenders require a variable rate attached to DSCR vs a fixed rate which means your interest rate could drastically increase during the life of the DSCR loanHappy to discuss alternatives- please contact me if you're interested. 

I have contacted a local broker and local lender but they don't do HELOCs on rental property.

It helps establish trust, demonstrates the direct effect of their efforts on our financial results, and provides them with a reason to celebrate through a triumphant dance!