California short term vacation rental loan products

[Amberly Sanden]

Looking to purchase a beachfront $1mil property in Ventura county. The neighboring property is an Airbnb and makes approx. $100,000 annually.

I am not sure if I would need to put 20% down as a conventional, 30% down as a commercial loan, or if there are any other options. Can anyone recommend a good short term vacation rental loan products? Or maybe recommend a good local bank in the area?