I am currently paid out a % of each booking as a co-host on airbnb automatically. 

To learn more about the space and discover the opportunities, difficulties, ups and downs of being a host as well as funding my STR in the future, I have been organizing and building a co-hosting company with hopes of helping hosts relieve stress while at the same time discovering what it means to own an STR and what it takes to have happy guests.

I believe I could qualify for an FHA loan, but I’m not sure if I would qualify if I used a co-signer.

Ok, so I have someone doing a short sale of sorts in floridaThe first mtg is with a co out of CA that bought the NPL from Fannie a few years agoThe 2nd is with Mr Cooper, and is a Fannie 2nd (didnt know fannie even did 2nds?)

I've approved one with a medical judgment, so far, so good, and I've allowed a co-signer where a divorce wrecked their credit. 

And while it might not be attractive to all real estate investors, I believe it can be a fantastic way to start to build experience, build profit/cash flow and establish yourself as a STR professional in your market and then use that to build a co-hosting/management business and work with investors that want to you use their knowledge and expertise to partner on projects.Point is, don't believe everything everyone says about what is "bad" and what is "good".

Just like there have always been flat fee brokers who will post your property on the MLS for $350 or sellers who list FSBOI have charged anywhere from .5% to 4% without a co-opMy conversations with sellers now is that I will present all offers as net to seller. 

If I were you, I'd focus on commecial assets (5+ unit multifamily) and possibly partner or JV with someone who is stronger on paper to outweigh some of your weaknesses.If you were targeting residential properties, you can also get a co-signer who can help get you over some of the barriers you face.

One of the questions on the URLA is "Are you a co-signor or guarantor on any debt that is not disclosed on this application?"

If mom is not going to live there she can be a co-signer, I would just suggest to make sure she can afford her current situation and this one.