Based on all those factors, your best chance would be to partner with a more seasoned investor to get loans.

One of the most important steps you can take as either a startup landlord or seasoned one is to use a platform specific to property management as it will elevate your operation and save you tons of time.The good news is that nearly every software designed for landlords includes these features.

Use tools like AirDNA to research how often properties are booked and consider seasonality so you can take full advantage of peak times.

Your interest rate, on a fixed rate loan, should remain unchanged and your mortgage should not be called due.However you should still confirm that this is the case with your lender (and read your mortgage commitment) out of an abundance of caution and because some loans and programs do require a longer seasoning period.

There is an incredible amount of points to consider when weighing the options on something like this and honestly, I don't recommend it to very many people at all ....even seasoned tradesmen and investors.

BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

Platforms like BiggerPockets, local REI meetups, and Facebook groups can connect you with investors seeking opportunities.Joint Venture Partnerships: Consider partnering with a seasoned developer or investor who can provide the capital while you contribute your vision and operational effort.Hard Money Loans: If you’ve identified a property, some hard money lenders may fund the purchase and development based on the future value (ARV) of the project.Crowdfunding Platforms: Sites like Fundrise, Groundfloor, and RealtyMogul cater to real estate developments and could be a great way to gather capital.Seller Financing: If the land seller is open to it, negotiate terms to finance the purchase directly with them.2.

The buyer finally reaches out to say that the bank is having a hard time seasoning a couple of the homes in their portfolio. 

But otherwise we have had good luck with them.The nice thing about the re-key Kwiksets is you can easily change out the key AND you dont have to worry about stripping the wood by putting in a and changing out a lock.Plus it takes like 2 seconds to re-key the locks.

I would be interested to see what the seasonality is.Packwood can be tough to get to in the winter.