A traditional bank will not give a line of credit even if there is significant equity because it boils down to being able to pay back the money. 

I agree that the best way to make money is self manage your short term rental (not AirBNB, that is a platform).

Purchase price: $187,000 Cash invested: $15,000 Sale price: $259,000 I got tired of moving place to place and worrying about finding roommate, security deposits and not having enough money to deal with maintaining someone elses home.

I know one person that did this recently and was able to negotiate no money down and 12% over 5 years but this was probably in the mid west.

Wondering what are the different ways everyone got the money to put down on a property and the way to finance it?

Do you want to raise more money faster?

I was losing money every month and was done managing the property.

We upsell 3-to 4 simple packages that guests love; I have trained my cleaners to handle them (they make extra money), my VAs help schedule it with cleaners, and we still make a 50% profit margin on everything.

I also want to combine it to one $150k  30 year fixed loan instead of having two separate  $100k and $50k loans what options do I have can anyone help.I don't want to use my own money.

You can make money there, but it's hard money, and it's not forgiving if you get it wrong.