I do not have to do anything right now, I just need to learn, wait for the right opportunities, or create them - for example by trying to use subject to and take over someone else's payments who locked in a lower interest rate from a few years ago. 

I would just take into account that a lower down payment will mean a higher monthly payment so be sure to run the numbers conservatively in order to ensure your STR revenue is able to carry your monthly payment with this higher mortgage cost. 

I had to borrow the down payment form my parents because I was BROKE. 

We have numerous who have their payments set up to auto-pay.

The biggest factor is thoroughly review their credit score report especially on time payment record and score.

If the loan was fully funded at closing and since then the loan is in an interest-only payment period, these numbers would equal. 

Still no payment.

Work on getting a down payment saved up while managing your townhomes.

This allows me to seed the property for 6-12month, then refi, and pay the full amount of the HELCO back in one payment. 

. - near lowest delinquency, late payment, and evictions in the country.