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

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

@Jonathan Small government actions have led to an unprecedented 40% increase in the money supply, 50-year record inflation, record increase in interest rates, bank failures, credit tightening, CRE recession, housing affordability issues, mobility issues, inventory issues, and massive impacts to the world economies, every investment class, and our families, kids, and friends like never before. 

Illinois is tenant friendly state.

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

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

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.

My father and I have formed an LLC with another friend to start buying some rentals.

I think my next moves may be an out of state duplex and/or a local flip with a realtor friend of mine who has some experience doing it.

I don't see a problem listing it as a 3br on VRBO and AirBNB if there is a sleeping area.