At that point I dont know investing would make any sense, I have heard scary stories I was thinking about short term rentals but that needs constant cleaning after guests and conpetition is very high my friend spent almost 200k out of pockets to buy a property for airbnb and he got 17 bookings per year....

He himself was a felon on parole, and his friend who was an addict, he was his cell mate.

The people are super friendly and enjoyable.

I haven’t used them yet but Universal Settlement Services is an investor friendly title company in the state college/altoona area.

Don't rent to family members or friends. 

Points I can roll into the cost and don't mind a buy down if necessary.My primary concern is the bleed rate monthly for the build, Airbnb stabilization and the year after while we season it and prep for final financing for long term hold. well doubt unless you get money from a relative or close friend that you will do any better in the market.

I admire your spirit and outside-the-box thinking my friend.

Even though you’re not fond of DSCR loans, it might serve as a bridge to free up your line of credit for quicker flip-and-reno opportunities.I remember years ago, a close friend of mine was in a nearly identical situation.. from what I read in Forbes, he ended up with zero wiggle room each month.

For instance, a friend of mine transitioned into the BTR market in Austin, Texas, after noticing consistent rental growth.

Most importantly, their platform is not user friendly and has a time consuming learning curve.