This signals long-term appreciation potential.

There isn't a lot of things you can do to mitigate the risk.

I understand they have a little bit higher interest rate, but what are the risks of DSCR loans?

I just learned that builders risk and liability insurance coverage can cease once a CO is issued for a new build.

It sounds like you've done a great job in investing in yourself and taking personal risks. 

Off grid sounds cool to some, but it really limits your potential guest pool.

Any advice on potential MTR markets near Houston and surrounding areas?

Quote from @Michael Challenger: I have no qualms with hard money lending, but I need to learn more about the process and structure to these for typical deals so that I am more comfortable and in a position to reduce my personal risk and risk to investors as much as possible.

This is in RI so letting the heat out is not just a big cost but a risk.

Also 4th quarter of last year Packwood and county officially did discuss potentially regulating STR's by either limiting numbers or adding a tax to cover increases in local services that are needed.