@Ben Cochran I hope you have factored STR tax savings into your cashflow and ROI as it can be significant.Leveraging equity to purchase a short-term rental (STR) in Tampa Bay can diversify your portfolio and potentially generate strong cash flow, but it also increases your financial risk.While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

Originally posted by @Erik Peddle:I just won some bids on this site and am emailing with one of their people. 

Not the best thing to do - I should have raised it originally for a higher amount.

I would suggest starting as a mortgage loan originator aka MLO.

Assuming you've met that, your original loan amount was ~$364,500 with 10% and a purchase price of $405k.

I would imagine the bigger loan origination companies out there who underwrite like robots because they are lining up the sale before closing  will be the exception and require those docs up front. 

As a "retired" public accountant and tax consultant I perform a lot of detailed ROI analysis for my clients. 

We've gotten great residents who we met despite their original search on FF being way below market.

So, you may only be able to originate such a sale once every 12 months or something like that.

The landlord was originally trying to charge us for them to hire someone to come and paint the rooms before moving into the premises, we didnt agree to that.