Hey Raj – Some lenders may offer options for seasoning periods under six months.

But it is the lowest down payment option, and likely the lowest rate option as well. one tidbit - condos don't usually like the STR piece, so make sure to do your DD in whatever area you're looking to buy in before puling the trigger. 

I’ve explored options like using a HELOC, cash-out refinance, or leveraging my home as collateral.

Have you tried reaching out to any local mortgage brokers in the area for more options?

If I could use that money to purchase more real estate and then finance the car I would probably take that option. 

BiggerPockets has options to search through investor-friendly resources that you are looking for here too. https://www.biggerpockets.com/real-estate-companiesGood luck on your STR journey and let us know any updates or questions that come up!

Perhaps they offer a favorable refinance option if the property has appreciated to the point where the current loan amount satisfies their non physician loan LTV underwriting.

Another option would be to consider Starlink. 

There's just so many options out there but the first step is getting that first deal. 

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