Larger hard money companies have a more cookie cutter approach because they lend across multiple states, and they usually have higher fees and lower LTV's5.

Bill Gulley - Can you try to clear the cookies in your browser to see if that helps your issue?

I'd also make sure the property is unique and not a cookie cutter home.We have an amazing agent we used in the area who is very familiar with STRs.

You'll find a wide range of decorators in Orlando, some are extremely creative and on top of the trends while others produce more "cookie cutter" homes.

True a banker can go to bat for you but in most cases you can bring as much milk and cookies as you want but that banker brings your file to an underwriter who has the initial say over a wide variety of factors.

I saw a three-page mil-spec document once for an oatmeal chocolate chip cookie purchased by the Defense Department.

@Jordan Moorhead Miami Beach is a tough cookie when it comes to STR.

Similar to the kind that go under water heaters, like a big cookie sheet. 

I was able to follow my mentor as he had a cookie cutter system and my mentor just needed to find someone young with energy and was willing to learn, I was 27 at the time.

Alignment is a tough cookie.