Regarding commercial lending they are usually less interested in you, and more so on the property itself, unlike residential owner occupied “conventional home loans.”They will look mostly at DSCR, and LTV.

btw, we;ve bought and sold over 1,000 properties for our own inventory and that was the only time we ever collected on a title insurance claim.David Krulac, Bigger Pockets Podcast #82

And then you had a massive boom in building so even when covid was over, you had too much inventory and less people with all that money.

You could be drop shipping from an Amazon warehouse business using leveraged inventory and doing the exact same thing or borrowing billions to buy NVIDIA GPU's to retrofit and add on to your own servers like my favorite business does, SMCI. 

For this product most lenders will go off of the purchase price plus your rehab cost for a conventional loan.

Because you will have the same issue with any financed offer regardless of VA, FHA, or conventional financing.

One key partner we work with that might work for you hasn't provided us with inventory for 3 weeks now. 

Is anyone using a good inventory management system to track supplies in your STR?  

Finance Your InvestmentsMortgages: Explore different mortgage options such as conventional loans, FHA loans, or private lenders.Creative Financing: Consider seller financing, partnerships, or using retirement accounts (e.g., self-directed IRAs).7.

Loans maturing and in some locations lots of inventory coming online.