However, the current vacancy is hurting your cash flow, the paused refinance poses challenges, and ongoing capital expenditures can be significant.Short Term Rentals: These can generate higher monthly income and offer flexibility to adjust rental rates based on market demand.

I think my best bet is to find a flexible bank and bring in the down payment as debt.

For STRs, i always bet on it being outlawed at some point so most are underwritten as LTRs, no to low leverage, and/or we view as a family second house.

I am a USMC veteran so I have some flexibility with finance options and I am looking to utilize all resources I can to build and scale my portfolio.

@Deepak C.you can use Turbo tenant to find tenants, going through a PM company is going to be your best bet for management - most will want 8-10% of the rents. 

This translates to: they know they will make more with your money in stocks / & bonds long term.I know the allure of fixed / known income is appealing… but if you do the math I bet you will find that the historical average of the market outperforms what the insurance company is offering as the return on the  annuity.  

If not, DSCR would likely be your best bet.

It offers greater flexibility for the number of guests the unit can hold.

The VA home loan is a very flexible program.

That’s the best bet.