Desk notes
Read the file the way a desk reads it.
Operator notes on STR income methods, lender haircuts, and purchase vs refinance. No rate shopping. No owner-occupied copy.
STR income methods
ADR × occupancy versus trailing-twelve actuals. How the worksheet builds gross, and what the desk asks for first.
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Lender haircuts
Why programs often take a slice of short-term gross — default 75% on the estimator, editable, not a GI quote.
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FAQ
Purchase vs refinance, broker vs lender, occupancy, and how to run the STR DSCR estimator. Business-purpose only.
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