He said he does not physically visit the properties.This provides even less creditability than saying, you can ignore the IRS Audit Techniques Guide.   

If you're going to a bank, you'll want to look for a smaller, community bank that has a history of lending on retail centers and multi-family...what they call "CRE" lending vs the owner-occupied "C&I" lending.

My credit score is around a 720.

Verifying last 2 years of rental history very important!

Does the mortgage stay on their credit reporting?

.- Match their name and social to their application and their credit check.- Pay date is the YY/MM/DD.- ETS is when their current enlistment ends.- Military members are usually paid twice a month, on the 1st and 15th.

I would like to invest in long-term rentals and I'm interested in having monthly CASHFLOW, unfortunately my initial budget cannot exceed $20,000 as a down payment, and my credit score is very good.

2.For purchases made on a credit card, is it best to use separate cards, or are there good methods for tracking expenses by property?

Verifying last 2 years of rental history very important!

I think identifying these markets that have a history of vacation rentals (so STR regulations are not worried about), near State or Regional Attractions (alot of national attractions may be priced out but not all), while also being affordable for the average STR investor.