What do you mean by "traditional 6-month financing route"?

OpportunitiesAffordability: Compared to many West Coast markets, Albuquerque properties often come at a more affordable price point, making it possible for investors to get started without a massive initial capital.Rental Demand: Due to the presence of UNM and other educational institutions, there's a consistent demand for rental properties, especially those close to campuses.Cultural Appeal: With its rich Native American and Hispanic heritage, Albuquerque offers cultural festivals, markets, and historical sites.

Traditional bank financing.

You'll have more flexibility with non-traditional lenders, traditional will all follow the same Fannie/Freddie guidelines.

Quote from @Rich O'Brien: Talk to a lender immediately!

Napoleon Hill's book, "Think and Grow Rich" written in 1937, is still a good read for it's basic ideas.

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

The location is key, with easy access to transportation, parks, and the rich cultural heritage of the area.

I bought it because it was supposed to be easier to keep up with than traditional, but I've had to rebalance the ph myself several times.  

I understand the crime concerns, but why do you think traditional financing is risky?