Jorge,Generic answer is that cost segregation on short-term rentals CAN offset any income. 

This is a term lease situation your talking of, so you will want to approach it as a term lease.

Switching tactics to long term.

Quote from @Seth McGathey: What are your favorite go to seller fianancing terms?

However, if your property checked all the right boxes (and given your strong credit), there is a program that executes well and is at the terms below. • 6.075% rate• 30-year fixed• 5 year PPP (5/4/3/2/1)• 2 point origination (or 6.225% for 1 point origination)• $1,495 underwrite/admin feeHopefully this gives you a good idea of the different terms that are available out there. 

When it comes to structuring a deal, most developers focus on the capital gap — but lenders focus on readiness.Over the last few years, I’ve noticed that deals move faster (and get better terms) when the borrower has a clean due diligence stack ready before approaching mezzanine or bridge lenders.Here’s a quick checklist we use internally before structuring mezzanine capital between $1M–$100M+ :✅ Updated project financials✅ Detailed pro forma with realistic DSCR assumptions✅ Rent roll or trailing 12-month P&L✅ Capital stack breakdown showing senior + subordinate layers✅ Clear exit or refinance planHaving these ready builds lender confidence and speeds up funding timelines.💡 Curious — for those of you who’ve raised mezzanine or bridge capital recently:What’s one document or metric lenders focused on the most during your due diligence?

For detailed information, visit the City of Tuscaloosa Short Term Rental website.

Quote from @Ryan Moyer: Quote from @Chris Seveney: We are taking over a property in Reunion resort (6br) and are looking for turnkey short term rental manager for the property.

I'm seeking guidance on what my next steps should be—whether that's turning it into a long-term rental, exploring house hacking when I return, or using it to build equity for future investments.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.