More so the lender I used had a $995 payment due to even get the loan going.

So to start off, let me explain why I'm focusing on short term rentals also known as vacation rentals and not long term investment properties.

Usually a 1 to 1 or 1.25 is standard..or the $1k needs to be sufficient to cover the PITI of the proposed loan.

There are lots of ways to delegate what tenants are responsible for, and whichever way you choose needs to be laid out in the lease.My tenants are responsible for yard maintenance, and it is explicitly laid out in the lease terms there is no confusion.

I started out with a flip house and am currently focusing on long-term rentals.

A lender usually a DSCR loan from a hard money lender.

If so, there would never be any lawsuits in the short term rental world.  

@Mark Peeples it's buy and hold and rent out to tenants as a mid-term rental unit.

I have one property as long term rental and my husband has one long term rental and 1 STR.

.), and any special terms in there like required to maintain minimum heat, etc.