I agree with @Aaron Zimmerman—setting up your chart of accounts to align with Schedule E/1040 or 1065, depending on your type of entity, will again take some of the heavy lifting come tax time.

Certain lenders can accept higher than 50%, and may be able to execute even with an exception. 

I agree with @Peter H Derry, the neck area will boom over the next 5-10 years.

In PA, IRS liens will have a 120 day right of redemption with a mortgage foreclosure (and with a judicial tax sale as well).

I’m currently exploring both short-term and long-term rentals but haven’t decided which route to take yet—so I’d really appreciate any advice from those with experience!

@Victor Somy comparable building is three units with a bill of $100 a month.

Not a good one to go with.

The property is worth exactly what it is with zero STR rental income.

However, my portfolio is mostly B2B and the businesses I work with are comfortable paying the nonrefundable fee plus the refundable security deposit. 

Wondering about putting my banking info into these and if anyone has any personal experience with any of them.