Choosing between these depends on your financial goals and risk tolerance.This post does not create a CPA-Client relationship.

Depending on your network it could take 6+ months to get your first deal.

And, it really depends on the person and their personality.

Appreciate any insight  Depends on where you are because every state and locality is different.

It spans a few different neighborhoods that are all different so it just depends on the price range and where you are looking for.

Depending on your tax returns, that might be an option.

The bottom floor is a permanent STR.At this point, living on the top floor of an STR no longer fits my life and while it has been somewhat profitable depending on the month, I can no longer handle the hassle of management and would be taking a loss if I used a standard airbnb property manager. 

Depending on how much cash you have on hand, you might be able to pay points on the loan and decrease the rate.

It is usually dependent on the PM software used.

They are however good at 20-25% down commercial portfolio loans if you need a creative solution so it depends on what your intended use is, your preference is, are you trying to get maximum leverage aka lowest down payment or is rate or cost your main preference?