Other ideas I've seen include taking white label products and putting your STR branding on them to sell.  

@Gino Barbaro I have contacted a couple of mortgage brokers the only products they are offering are actually worst terms than commercial HELOC options with rates around 10.5, where with the residential I am currently getting right around prime rate.

This loan product has a VA inspection during your appraisal (nothing scary).

If you are looking for a loan product without having to use your personal credit, then a DSCR loan option may be for you.

Smaller banks may have more flexibility for other products should you need them down the road. 

The current market value of the home is about $645,000.Key Details:Purchase Year: 2020Purchase Price: $415,000Current Market Value: $645,000Mortgage Interest Rate: 2.99%Equity: $320,000Current Monthly Cash Flow: $1,450Return on Equity (ROE): 5.44% (without variable expenses)Return on Investment (ROI): 14.5% (without variable expenses)However, I've noticed some trends that are starting to concern me:- Home prices in my area are slightly reducing, and rental prices are also on the decline.- There are more houses listed for sale and rent in the neighborhood, which is pushing rent values down.- My current lease is up in September and the tenant is leaving, and I expect my monthly cash flow to reduce to $950, lowering my ROE to 3.57% and ROI to 9.5%, again, without variable expenses.- Homes are staying on the rental market for a few weeks, sometimes months, even at lower prices.

I’ve purchased 1930’s through 2010 built product and the older product always has more issues.

I had more than one appraiser comment that the CLV market is a declining market in their reports and when lenders see that they often cut leverage.A lender will ask for your credit, experience, and maybe liquidity. 

In Italy certain areas with declining population, the banks work with the cities and offer lower interest rates by cities.  

Tenant just moved out, cleaners found they used the wrong type of cleaning product on the stainless steel appliances, causing a permanent discoloration.