Maybe there's an angle for seller financing or some other creative approach to get the seller the total return they want over time, but it's hard to say without actual facts and data.

Balance data with personal priorities.

Use tools like AirDNA or Mashvisor to provide market data on projected rental income and occupancy rates, and make sure your lender works with appraisers familiar with short-term rentals.

Is there a way to transfer the loan agreement to my name or try some owner financing/selling strategy?

I've spent HOURS onboarding my properties and data manually. 

You should check them out for your contact data needs.

Appraiser will use data from whatever closely matches the subject.

If it's a QM you won't be able to close in a business entity like a LLC, although in some cases you can transfer into an LLC after closing.

I find this data super interesting, and took the opportunity to dive into their 2025 edition this week.Nationwide they say we can expect:Average mortgage rates of 6.3%, with rates edging down over the year to reach 6.2% by the end of the year.Home prices will grow by 3.7% across the US, which is pretty modest.

However, the suitability of buying and renting out a single-family home in Richmond can depend on various factors, such as market trends, rental demand, and property values (similar case with all markets, really.)Chatting with a local agent in the area can provide very helpful insights into the market, data, and specific neighborhoods.