Quote from @Thivya Ashok Kumar: Hey everyone 👋I’m exploring two regions for my first short-term rental investment and wanted to hear real experiences and perspectives from those who’ve hosted or owned there.Markets I’m comparing:Davenport, FL (Disney / Orlando corridor)Northwest Arkansas (Fayetteville / Prairie Grove / Siloam Springs area)If you’ve operated in either market, I’d love to hear:How’s occupancy and seasonality been lately?

Are you planning to use this property as a short term rental, or for long term tenants? 

Hi Brian, First off — congratulations on the success of your short-term rentals.

I'm considering living in one unit and renting out the other, either long-term or mid-term.

Like every other loan option, DSCR loans have advantages and disadvantages.Advantages:Easier to qualify: Lenders focus on the property’s rental income instead of the borrower’s personal income.No property limits: DSCR lenders don’t restrict the number of properties you can finance.Ideal for international buyers: Most international clients don’t qualify for conventional loans, so DSCR loans are often their only financing option.Disadvantages (compared to conventional loans):Higher interest rates: DSCR loans typically cost more than standard mortgages.Larger down payment: They usually require more money upfront.Cash flow requirements: If a property’s rental income doesn’t meet the lender’s debt service ratio, the property may not qualify.Not for primary residences: These loans are designed for investment properties only.In short, DSCR loans provide flexibility but come with higher costs, larger down payments, and stricter rental income requirements than conventional loans.Are DSCR loans for short term or long term?

Spokane's got some solid investment potential, especially as you balance cash flow with long-term appreciation.As you get rolling, a few tips from the lending side:For STRs: Make sure you understand how lenders evaluate short-term rental income (many use projected rents or require historical income—depends on the loan type).For multifamily (2-4 units): House hacking with FHA or conventional financing can be a killer way to live for cheap and build equity fast.Always structure your financing with future scalability in mind (e.g., avoid using up your owner-occupied slots too early if you plan to keep growing).Glad you're here and soaking up wisdom.

Short-term rentals can generate large losses in the first year if you meet one of the material participation tests.

I’ve seen more investors using short-term lending options to keep projects moving, especially when traditional banks take too long.

But I’ve worked with Easy Street Capital (based in Texas), and never had this kind of issue.In short: if you're an LA-based investor and receive an unsolicited offer from MoFin Lending promising better terms — proceed with extreme caution.

When long-term tenants leave shortly after a new management company takes over, that can definitely be a signal that something’s off.