The LTV of the loans I’d conservatively gauge at about 35 percent.

If someone has a 2.5% loan they ain’t gonna move get less house just to pay more in interest.

You need two years of steady income before you can qualify for a loan.

I read that one of the requirements for getting your second FHA loan is having a change in family size.

I am responding as a consumer not a STR owner we had one its lasted for us for exactly one tenant then we felt it was too much work for the return  on investment we do much better loaning money and buidling new homes than to worry about people goofing up our homes :)I do have some MTR you know fully furnished homes in Vegas and those are money makers for us top of the line tneants paying double the going rate for rent.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

I've been investing in loans on Equity Multiple, which is a commercial RE crowdfunding site.

The sale failed and he still owns it.One of the potential solutions is to use an SBA 504 loan for the real estate. 

Kieran, the best bet here is to refinance with a DSCR loan.

If it is someone you know you can give them a straight return as if its a loan - can provide a lower interest rate to provide upside - it really depends on the lender and what are they concerned with and what is their risk profile.