I would like to get in but talking to the builder with their associated lender they say I would need at least 20% down and pay a higher apr since this is a second home.

I’d appreciate some feedback on my current approach and advice if any.Here’s what I’ve done so far:Pre-Approval: I’ve secured a pre-approval amount and interest rate from an online mortgage lender.Property Analysis: I’m using the mortgage and STR calculators from BiggerPockets to assess the financials for potential properties.Neighborhood Research: I’ve been exploring different neighborhoods using Niche to get insights into schools, safety, and livability.AirDNA: I’m considering subscribing to AirDNA for data on occupancy rates and rental income estimates.Questions:Is AirDNA worth the investment for STR data?

Skiing in winter, summer outdoor adventure, hiking in the shoulder seasons.

And return to investor apr was 23.3 % I made the rest. this deal start to finish was 88 days.. average though is closer o 120 to 140 of course. 

There was a pre-move out inspection where everything was determined to be in good condition and there were no deductions that would be made.

Buyers if you want an extra advantage over other buyers call your favorite Mortgage Banker and ask for a "Fully Underwritten" approval not just a Pre-approval.

If you're thinking about NV the Reno market has more year round activities because of the proximity to Lake Tahoe in summer and ski areas in the winter. 

We mainly use it for laundry but don’t use it much otherwise.I wonder possibilities of doing STR for winter since I live very close to ski resorts.

This sounds like a pre-existing defect so you will have to review your insurance policy but I am guessing there will be an exclusion.

Name: Laura NelsonGender: FemaleAccommodation Preferences: Flexible; own bedAbout Me: Laid back RE investor based in the Denver metro; love dogs, skiing, outdoorsContact Preference: DM meAdditional Comments: Conference dates only; probably will not extend my trip