Get a DBA and use to open a business bank account.Have your properties "hire" the DBA to manage your rentals and collect rents.Most states require a lease to identify the owner of a leased property, whether a person, trust, LLC, IRA, etc.Landlord = Lord of the Land = Owner per deedAgent = someone legally representing the ownerProperty Manager = Agent

There will always be demand in the market (it's not like some covid markets that could disappear as vacation destinations almost entirely over the next decade), and the regulation risk is as near to zero as you can get in this industry so long as you buy in the approved tourist zones (again, compared to some smaller/less mature markets where they could outlaw STRs tomorrow).For short period cash flow there are better options. 

If the missing spouse has since passed away his or her legal representative (PR, Executor, etc.) could sign. 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Also, I'm pretty sure it violates Frank Dodd or one of the other acts since you legally have to show/document that the borrower can reasonable pay back the loan.Sounds like you have a 5yr term loan with a 30yr amortization. 

However, there are substantial legal risks associated with doing this and most people who go this route have no idea they're taking them.

@David Lichtenstadter  To the best of my understanding and having just talked to my title company, they are legally the same result.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

I'll post updates here in case anyone wants to follow along.We syndicated in the states to fundraise enough for architectural renders, entitlement, legal, and to pay off the land. 1/4 of total funds required have been deposited in our bank account.Convinced a world-class architect to do luxury design for us.

Bottom line- As with all lenders, hard, money lenders have a process they follow to approve deals.