AND The balance on one statement is < 100 and other not enough to cover the first months rent and deposit.

While this review appears comprehensive and objective at first glance, I see a concerning pattern.Looking through William Ferr's posting history on BiggerPockets, there's an unmistakable pattern of consistently promoting Jonathan Halves and his training course The Land Method and his Land Riches Blueprint, while criticizing other educators.

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

Profitable months cover non-profitable months, so budget and expect it.

I know taxes and insurance have gone up a lot in that time so I understand that problem but the solid rent increases in that time have been able to cover most of that (at least for me it has worked out).

Hello everyone, I purchased my home two years ago, and currently, I have a tenant renting a room for $800, which helps cover my mortgage.

Here is an article from Wolters Kluwer that covers the entities exempt from reporting.

I get an insurance policy for each guest so if they break anything, I feel covered.  

I am currently house-hacking in a new property where the rental revenue is able to cover the full mortgage and then some.

In other words, if you don't fill your unit in the slow season because you're afraid it will cut into your high season revenue, will the high season revenue more than cover the difference?