@Mark Walker - There are no conventional "dscr" loans for SS and MHP; however, the actual metric still applies when evaluating the physical ratio performance of the asset classes.Private banks are really the way to go here and leverage is determined based on POH vs.

I own some small multifamilies in Concord and High Point, NC.

I am currently a senior in high school nearing graduation and have a growing passion for learning this industry.

The answer is specific performance if you want the building or filing an unjust enrichment claim.

I look for low crime rates, good schools, high rent to value ratios sometimes as high as the 3% rule. 

(I also would like a loan that doesn’t require a high down payment). 

Would love to connect with you and learn more about how your STRs are performing!

As a general rule of thumb, no one ever lends for less than the rate of a high yield savings account.  

I read that there is a high wild fire risk.

Metal roofs are highly recommended and should last for a long time I'd want everything to be gone form the old roofing and everything inspected properly before the job gets started.