I'm on Airbnb and Vrbo, and also Houfy (direct bookings) but have stayed away from Booking .com because of the horror stories from fellow hosts.

@Haiden Welch I'd lean into local banks and credit unions.

No, banks do not allow a seller held second now a days due to risk and new guide line changes. 

Some banks and credit unions are more flexible, especially if you have a strong financial profile.

Make sure you are using an FDIC Fullly Delegated Bank. 

Hey @Abigail King - I'm quite a bit further north here in Chicago, but my friend @Brad Stegall hosts a great meetup in Perioa - consider connecting with him and attending the event.Are you looking to buy & hold or fix & flip?

Unlike traditional banks, which focus heavily on personal credit and income, portfolio lenders prioritize the cash flow of your property.

Quote from @Jason Wray: Jessica,A lot of those moves puts your money into different properties rather than in the bank where it belongs.

My concern is that if i apply for a HELOC to use for the down payment before i apply for a mortgage, A) I wont get approved due to my DTI ratio, and B) I wont get approved without first showing the bank I have the 20% down payment before pulling the HELOC.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this.