If my business owner bank statements did not gain me an approval, I was going to go the hard money route.

. :) Wishing you the best in your business. 

In the latter case, I would still use QB to enter info provided by the 3P servicer and to maintain my general ledger for the lending business.

Attend local builder associations or networking events, and focus on small contractors or businesses without in-house permit expertise.Highlight how you save time and ensure compliance—it’s a big value-add.

I second @Erik Estrada Chase offers great programs for business, multifamily, and conventional loans for commercial properties.

Two, you'll have a much easier time obtaining a mortgage product if you have a track record of W2 income.In the meantime, continue implementing the strategies you mentioned: save religiously, build your credit, pay any existing debt owed, etc.

It is important to remember you own real estate in the Poconos and you are choosing to operate a STR business.

That really set my business back.My suggestion is to use an agency short term, but try to always have a VA you're managing on your own.

And real lenders don’t troll for business by texting.

Which is a tax when you do an active business in your IRA but it is essentially the same thing.