If you dont have any verfiable employment / income -  you might not  be able to obtain  traditional  financing . 

If your area has public services that traditionally are in a position to put a lien on a property, then it seems to me that this due diligence should have been performed.On the other hand, if it's some private water company with no real public ties whatsoever and nobody ever searched their records for bits and pieces, then I could be dead off here.I'm also not saying you should spend you all your capital on litigation.

Whether it's a traditional sale or a subto transaction, no real estate deal is solid.

I can help you with a cash out refi - I can help with DSCR or traditional lending. 

Although traditionally Florida has seen appreciation, this is not a given.Think about how long negative cash flow can last.

However, I cannot go with the traditional leading since banks need 2 years of tax returns as self-employed.

If I understand it right it’ll cost a bit more in the short run due to loan origination fees and higher interest then a more traditional loan? 

Additionally, be sure to have a solid business plan in place to present to potential lenders.2) In addition to a construction loan, you could also explore other financing options such as traditional mortgages, lines of credit, or even private investors.

@Tacuma Bradley - I know there are a few people who are successfully doing STR in Japan, and others doing more traditional LTR, and that they are successful. 

Here are some quick numbers for context.Purchase totalAfter RenosYearly RentsCap Rate (pre costs)Cap Rate (- $300 IRS, PM, INS)$62,240.00 $64,890.00 $11,760.00 18.12%12.58%$71,280.00 $71,530.00 $9,516.00 13.30%8.27%$37,116.00 $39,116.00 $10,500.00 26.84%17.64%$58,857.00 $59,857.00 $12,000.00 20.05%14.03%$49,501.00 $56,046.00 $10,740.00 19.16%12.74%All in, we're interested in any creative financing - traditional refi, portfolio loans, DSCR, HELOC.