As I mentioned in my original post on here, the warmer summer months will take care of themselves, but if you want to have the STR operating all year round, the winter months require much more effort to make your property a place people will want to visit and stay even when the weather gets nasty.Nothing against VRBO, but I would also take a few minutes to check out what listings are available on Airbnb as well. 

Compared to the original Quickbooks (desktop) that was a one time $100 purchase for the software, that is big difference. 

LegoffWe sell after origination our real estate loans interest only 12 month terms Rates are 12%+

I'm originally from Pensacola, FL, but moved up here to invest. 

To the original questions.  

Wanted to see if anyone has had any similar experiences with credit unions or smaller banks that originate their own loan. 

These often have no PMI, reduced origination fees, lower than average 30 year fixed rate, and occasionally some closing cost credits. 

What happens to original security deposit from original 12mo lease?

Steve you probably thought of this but in your state you can be the bank without a license and with your very deep knowledge making new origination's for investors could be a very nice play that will keep you engaged somewhat mentally and returns should be 12% easily and for you extremely safe.

The primary test used to determine whether an instrument is a security is the Howey Test, which originated from the Supreme Court case SEC v.