It would theoretically provide flexibility at that point in time before the 12th month.  

So a nicely decked out  cabin I bet would rent real well for STR purposes  Not sure about permits etc..

For your "BRRRR in Bulk" approach, you might want to explore lenders that specialize in portfolio or DSCR (Debt Service Coverage Ratio) loans, as they are often more flexible with complex financing structures like seller 2nd notes.

Flexible terms 

Also, someone with real estate investing experience can probably help you shop for loan products that could be more flexible on the owner occupancy requirements so that you can scale at whatever pace you want. 

Trying to go to companies directly is rarely going to be your best bet. 

Highlighting the STR revenue potential, especially in a prime location, could attract investors looking for both income and future appreciation.Steps to take:Prepare a detailed financial breakdown of the property's current performance and future projections.Include comparables in the area to show both STR potential and anticipated appreciation.Offer flexibility in the buyout terms (e.g., structuring it as an installment plan if needed).If you can’t find an individual investor, you might look for a property management company or real estate investor group that specializes in STRs.

A mortgage broker can also help find lenders with more flexible requirements.

I'm betting your numbers look like mine, and CapEx saving is eating up a lot of it.

House hacking is a great start, with duplex properties offering flexibility and a comfortable living environment.