., tours, etc) however, many applicants had evictions and poor credit history (low credit score doesn't bother me, but when you have 7-10 credit card and personal loans in default, it's a serious red flag.)

They typically want two years of work history before they will lend to you.

The one with no history, got an account, and amortgage to boot!!

Changing the name allows you to retain all the current accounts and credit history while ensuring the LLC reflects your new purpose.If you're concerned about privacy, consider changing the name while also updating any public records to reduce the chance of someone tracing the LLC back to its original purpose.

We sold our TX home and relocated to Orlando so my son could attend school and save money by living at home.

You can get highly specific with this if you know the tenant history for your units and what motivated their purchase.

Nothing in stone right now, since I'm still in school, but preparing for after graduation (6/2025). 

If I’m able to get a source of income (🤞🏾) will I still need to have 2yr minimum work history to get money to buy both land and build? 

The STR deal could be the best option if I understand your situation correctly, except I would probably do this as a cash-out refi and just use the combination of booking history + AirDNA projected income to qualify (if not operated as a STR for a year).

Locals who live there and are right on top of these lower end units can make a go of it but out of state very tough unless you buy above the median price point of a given MSa and in the best school districts full stop.. this is where your best tenants will be.. houses are interchangeable.