What's the best option with low DP then the traditional 20%.. lastly of you have a awesome lender who is creative and can make it happen, please share contact Info. thanks  Sharing this article I published last year here on BiggerPockets on this exact topic - things are generally the same as when this was written up last Fall - your best bet is likely STR-friendly STR Lenders - ones that will use forward-thinking methodologies like AirDNA, etc. - probably about one third of DSCR lenders are STR friendly at this point (most will not do STR or have very conservative UW)Short-Term Rental Loans: What Are the Options and How Do DSCR Loans Stack Up?

I will try to keep everyone updated on the progress

But yes, absolutely, hard assets are the best bet.

The best way to hedge your bets in the right direction and also protect your personal space is to look for uneven multis.What am I talking about?

Your best bet is doing a cash out at 80% LTV to maximize proceeds, since most HELOC lenders will cap your loan amount at about $500k.

I rec'd a response finally today, but it was "what do you mean, we are still progressing."

I bet they change their tune.

I've progressed from owning fixer upper duplexes in the north end of Winnipeg where I would do the renos myself late into the night; to purchasing large apartment buildings to acquiring properties in 13 different cities across Canada and the United States. to now buying office buildings and institutional-grade grocery-anchored retail centers leased to national tenants and publicly traded companies like Walmart, Safeway, and Loblaws.Before 27, I achieved lean FIRE, all thanks to the inspiration and fundamental concepts from the BP podcast and the incredible people I've met along the way in this entrepreneurial journey by betting on myself, committing to lifelong learning, and nurturing an insatiable curiosity.If someone like me, who barely made it through high school and would be considered "unlikely to succeed" by my peers, can do it, so can anyone reading this.

This is when your job begins not ends  then responded “totally understand where you’re coming from and your concern about that, yes I will be selling this for retail and I will get some profit out of it however you have to understand most of that profit that is made through the retail system I’m paying for all the appraisals I’m paying for the closing expenses I’m playing for the agency fees I’m paying for everything else in between as well as all the demands from the bank you don’t have to worry about anything  you’ll be getting that same amount regardless if you wanna go with a realtor I bet you well however if you do go with that realtor at the end of the day you may even receive less than what I’m offering you at $110,000.

Show respect, and I guarantee it you will never be asked to show any proof of funds.. well unless you are fugly...then all bets are off.So my tip for you is... be cool mate.