@Joseph Chiofalo has some great nationwide STR investment loan products and fixed rate second/Helocs for investors loans clients tapped into recently. 

If so, how was your experience with their service and loan products?

That is your message, your business, your modiel, your product , your service.

If the lender you talked to only has this option, you should shop around for lenders that have other loan products-80% cash-out refinance is going to be challenging in any circumstances, but especially with a short seasoning period. 

Mary,I am not aware of a normal insurance product that would cover more than Replacement cost for most structures.  

Some lenders will waive escrow accounts- some for free depending on the loan product and down payment and some with a .25 add to the current rate. 

The second property would need to be under a loan product other than a primary conventional.Appreciate it!

How specific can you get in your lease when it comes to tenants responsibility for repairs of things to the house related to negligence, ie flushing sanitary products down toilets, appliances, hoa fines related to negligence of caring for the yard or following hoa rules etc? 

We will certainly supply you with more than one picture and you should also always have a professional inspection done (which we will help you line up).  

Super convenient mortgage product