AMeris bank will do specs I used them.but if you have zero experience you will have to mitigate it with a lot of cash or get an experienced partner.

I can absolutely understand how these experiences have drained the joy out of owning rental properties.

It will probably depend on your experience and connections with lenders.

I've found options in Costa Rica, but rates are in the 10% range.Does anyone have any experience or guidance on obtaining a mortgage equivalent to purchasing a 2nd home in the US?

Most agents paying for leads are inexperienced, which is why they need to pay for leads.Look for an agent with a minimum of 15 years of active experience.

@Stephen FlemingFrom my experience working with over 400 investors, your strategy of leveraging a low mortgage rate, tapping into home equity, and diversifying with a short-term rental (STR) in Northern Michigan is well thought out.

When I ask for clarification, I only get vague responses.I’d really like to hear if others have gone through similar experiences with AppFolio.

Within my 20 years of experience, Theodore, it's great to see proactive agents like yourself getting out there!

Working with a property manager will give you a lot of hands-on experience in the day-to-day of managing properties. 

My piece of advice would be to make sure you have a great agent in your corner to help you assess the market, make informed decisions, etc. having a good agent can be day & nights difference when it comes to your experience.