Your best bet is to make sure to stand out with great pictures, competitive pricing, great hostings, and being aware of what your market guest avatar wants.

Its the little things to make the guests time easier the way you stand out in the market.

Everyone else nailed it, but I can't resist this parting shot:What does she think the "A" in ESA stands for?

Ditto to all of the above.  85% is very doable with a strong credit score, strong dscr, but yes, the rate is going to be higher because of the higher leverage.

This is the max it seems most "A" lenders will loan too, I might get 50% from a credit union but that still probably not help in the short term.How do people keep going?

I want to find a way to get a revolving line of credit, or hard mony loan for this trailer house w 4 acres above.

My main Partner is Chase because gives the biggest limits great when it comes to building a relationship and getting BLOCs and other things also would recommend local credit unions biggest thing you always need to figure is the banks Cap of what they are willing to lend until they need everything Chase for example is 150k Citizen Bank if in area a great one for Blocs only require bank statements to calculate how much you can qualify for.

Wishing I had bought a duplex or really any piece of property straight out of high school for a jump start but here I stand. 

You can pre-screen them for free, then run the credit/criminal background only for those that pass your initial review so you're not wasting time.

Some credit unions or local banks offer portfolio loans that don’t stick to the 4-unit limit, which could work well here.