Abby,Talk to a local, traditional mortgage broker. 

You can't follow traditional metrics of tenant-friendly or landlord-friendly and think that will save you.

I understand the title insurance fee itself may be set by the state.It means that I am familiar with the nuances and requirements of investor-type deals that are not present in "traditional" retail deals.

So in fact he is doing WAY MORE than any traditional agent or broker (myself included) is doing in ways of transparency, disclosure and notice.

All of those activities wouldn't be in a "traditional" Customer Relationship Management tool anyway. 

Investors are advised to consider more traditional real estate investments and to educate themselves thoroughly before diving into the STR market.

For us residential, it's the traditional lender that feels the pain.However as OP is thinking correctly, the gap or spread between riskless CD and equity investment is narrowing, maybe it's like 3% only at max.However, just think about if , if public interval debt fund like NICHX or Cliffwater can give me 8% why I do need to invest at multifamily equity. 

That way you can bypass a bridge loan.I have borrowed $50k from my father to float some of the purchase of a Dental practice my wife owns...we simply pay into an account that we use to periodically pay him back lumps sums.

Generally there are three categories of multifamily investment properties – which will greatly determine your loan options.These three categories are based on the number of units at the property.2-4 Units: While these are “multifamily” properties in the sense that there are “multiple units” – you will generally have very similar options for financing to traditional residential loans on single family rentals – think the traditional 30-year fixed rate conventional option or DSCR Loans – and the coveted 20% down payment option too.

Note that rental losses are traditionally only deductible against rental income; since you clearly have positive passive income, a loss-producing property likely would help reduce that income.