It doesn't happen much and probably won't be a process lenders go through in a systemic search until we hit closer to double digit rates on those 2 and 3% loans. 

Money you put in and then when we hit 59 years or older, money that you end up withdrawing. 

If you can come up with an extra 1.5% and finance with a conventional loan you have none of those downsides, a lower monthly payment and PMI only until you hit 20% equity

Lastly, the price point is still very cheap here in the sense that you can still find investment deals that hit the 1% rule for 120-180k and in great residential location!

The biggest employer shut down about a year ago and 3  hurricanes (2 major) hit directly in the last year.

You hit on a tough reality.. inheriting tenants who aren’t prepared to pay on time can be one of the biggest curveballs for a landlord.

Are you accounting for everything—taxes, property management, maintenance, insurance, reserves—and still hitting your target returns?

A personal loan is possible, the problem is banks will see this and it will hit your DTI.

Unless you're in the right market, traveling nurses can be hit-or-miss.

If you do budget that much, the you will easily hit your profit target.There are currently no restrictions in Lewis county and STRs work there, but there is always discussion on them by the city.