Very few allow any subordinate financing below their note but I do have ONE that allows 90% CLTV (they loan 75% and allow you to secure a 15% seller carryback as long as you come in with 10%). 

This is where it gets tricky and the real work will come in.

I just maybe have been lucky but the age does not scare me if the price is right and the inspection comes back clean. 

You might have other options to explore to drum up liquidity (HELOC, Margin Loan, Policy Loan, etc) that can supplement your HYSA in the DP.

Grow wide first, then deep (pay off)- your little expenses add up fast

Are you focusing on adding them in the general PHX area? 

Use search function.People have posted STR calculators on here.

I look forward to fostering a growth in knowledge, understanding, and connection by utilizing the tools and resources provided through bigger pockets.Thank you for your time,Brian Luter

You make the deal, not find the deal. 

Purchase price: $115,000 Cash invested: $42,000 Sale price: $168,000 Unfortunately, we bought this property as a buy and hold property, and our research led us to believe that this neighborhood was up and coming not in a bad area of Jacksonville.