Remember, your day-to-day costs have increased, but so too have your client's.I work closely with an STR investor that just began offering co-hosting for AirBnB. 

myself for real estate & project management, cash for lending, investor friendly title co

Purchase price: $60,000 Cash invested: $20,000 Sale price: $240,000 Lakefront duplex Denver Colorado.

--We had an applicant try to fake a Ford Motor Co paystub and it looked like they had a real paystub they tried to model there's on.

I say term of loan co-terminus to lease length if credit tenant. 20 year AM up to 70% LTV

As an investor I personally have two in Colorado.

Fisk realty in colorado springs. https://www.fiskteam.com/

However, I do know at MTR summit, co-hosts were offering to include the same feature at much lower rate than my STR PM charges leading me to believe there is some automated way to do this.   

For this to be possible at your age, you are able to have a parent co-sign and use their credit, income statements, etc.

Looking at the macro-indicators for the state and especially when compared with the surrounding areas - namely CO, AZ, UT... - NM is poised for significant appreciation in the long run.