The short answer is: file form 1099-NEC. 

@Shayan SameerThe non-paying tenant could impact your short-term cash flow, so consider the potential costs and timeline of eviction in your state.

I know many successful people in this business - some have invested $$ in their education, and some have not.While it is a very short list in my opinion, there are a few good "gurus" out there who teach because they enjoy it firstly; getting paid is secondary to them.

Pensacola has a lot of potential, and I’ve seen investors do really well in the area with both long-term and short-term rentals.Since you’re just getting started, here are a few tips that might help:Know Your Market: Pensacola’s mix of military families, college students, and tourists means there’s a steady demand for rentals.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

Nonetheless, you can base the DSCR calculation on PadSplit rent (if there's a history of PadSplit income being produced) or short-mid-term market rent (an analysis done at the same time of appraisal).

@Bobby Short

If you find someone giving you confused looks, seek a mortgage broker that helps investors.I'm not so sure how they would calculate income from short-term rentals.  

I own 20 acres of land valued at approximately $80,000, and I want to build two short-term rental (STR) units on it.For context, my family already owns two long-term rental (LTR) units in the same general area.

@Chris SeveneyI think those that took short term debt, trying to extend their terms, and now that the 10 yr has shot up, it's gonna be very interesting.