I'm new here and look forward to interacting with you all as we change and grow our portfolio.

@Andrew Pettit@Dave Foster makes an excellent point. 

I am the definition of a local Pittsburgh investor, and I have nothing to gain or lose through any sort of interaction with you.The thought buying anything in Pittsburgh sight unseen for any reason with the help of people I'm not related by blood or marriage to makes me break out in a cold sweat.

When first starting out we all want answers; stay on BP, keep interacting, ask questions all free of charge. 

Any input, @Dave Foster and @Bill Exeter?

I used the BP calc for my calculations and from everyone that I have interacted with, it always been 20-25%.

From what I've read and through my brief interaction with a lender, the rentals need to be traditional and I need to provide a copy of the lease.I know Quicken Loans allows refinancing through Airbnb income alone but is the rest of the industry just too far behind?

Many smart people on BP who can help you on that end including @Dave Foster Disclaimer: While I’m an attorney licensed to practice in PA, I’m not your attorney.

I've had people I've interacted with in a thread send me a request and I'm happy to accept those but that is definitely the exception toward the requests I receive.

A few suggestions to early investors: identify your weakness and learn.If you do not understand the finances and how everything interacts with one another, learn it.