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The terms may be more favorable, if you are just starting out a bank maybe nervous to do 3 at once, therefore their perceived risk will likely be reflected in less favorable terms.     

Check out the Short-term and Vacation Rentals forum.

If you're looking to get into STRs, you need @Avery Carl's book, Short Term Rental, Long Term Wealth, published by BP. 

Look at DSCR loans for more competitive terms.

Keurig machines are not necessarily a must for short-term rentals (STRs), but they can be a popular choice due to their convenience and the variety of coffee pods available.

But here’s what separates the long term successful investors from the wanna bes, the hopefuls, and the people attending every seminar and buying every mentorship and never establishing a successful track record1- the ability to IDENTIFY a deal - most deals are not  advertised at a great price - negotiation is needed.

@Michael Clardy Your decision should focus on tax efficiency and long-term financial goals.

.- The variety of financing products available as individual tenant in common loans remains limited, and the terms are generally less favorable than either apartment building loans or condominium loans.

The Long term, after some reserves, I'd like to bring down the assessment costs since I worry that this will negatively impact the property value.