No offense, but this isn't a "successful" deal story. 

Quote from @Kate Porter: Quote from @Paul Sandhu: I give out wall calendars of scantily clad women and pens, both with a description of my STRs and my phone number.ughhhhh 🙄 My clientele will have prostitutes over and they invite me to have fun with with them.Do you think a calendar of scantily clad women would be offensive to them? 

Hi Drew,No offense but I'm going to be the devil's advocate here.  

If I wasn't making money as a property manager I wouldn't be able to afford performing maintenance at rates that would keep investors happy.No offense intended investors.....I love you  :-)Good luck man!

You are the FIRST however to suggest North Dakota - I got a chuckle out of that (no offense to any North Dakotans?).

Why do you take offense?

There are inside jobbers, like @Paul Sandhu, who greets all the refinery workers in some shantytown in Kansas (no offense Paul) on their way into town and then sells them an STR. 

The rules are on the CFPB website consumer finance.govpage 26 section 3.4You can hire a MLO that knows what he's doing to write a balloon and do a loan up to prime plus 6.5%http://files.consumerfinance.gov/f/201503_cfpb_201…Terry Lewis Terry no offense but we need to do a better job of reading both the thread and the rule guidance publication.  

Side note....no offense to civil engineers as I feel they provide a great service. 

I meant no offense to you by my post and have always had and still do, the utmost respect for you.