I recognize this question probably ultimately boils down to investment strategy.

They refused to recognize funds in accounts, I then set up a new account specific for this closing, they wanted reserves in accout and rushed me to place full amount to close just two days before they said they would close they then combated saying they didn’t send funds because they couldn’t source and questioned why large amount was deposited, I went out of my way time-outs , they wanted business records for other cash businesses to justify , then refused, provided invoices and records for cash received for rentals over a 4 year period and another cash business, t he refused to accept any of that , even though each all showed more cash receieved than what the deposit was, a banker I know offered advice on how they deal with it with his underwriters, helped make a promissory note and showed, I’m giving cash funds to be invested in the business for the purpose of investment.

Quote from @Erik Breunig: I don't think he's lying, and I recognize that Geraci is a law firm that prepares these documents, but it was also plausible to me that many DSCR lenders might use forms that were prepared by or variations of documents with similar provisions.There were a number of items that I identified as being problematic.

Recognize STRs are not passive,   Being a good STR host takes time and requires time to learn all that is necessary.  

Depreciation recognizes that these items wear out over time.

Ohio law even separates eviction vs foreclosure based on equity because it recognizes that difference.You’re also right that beginners can misunderstand this stuff.

Same:if you don’t include a note I better recognize the name or at the very least you better be in my market.  

Clear communication and education are essential so clients recognize that accurate documentation protects both them and the tax professional.

Recognize senior living (if assstrd living) is an operating business that involves real estate.

Rafael sourced the deal through direct-to-seller outreach and recognized the opportunity immediately.