We have sold (tax free), kept as long term and/or short term rentals as well.

I assume you got a better interest rate, and I know you are saving a boatload of interest. 3) imagine year 11-30 where you are cash flowing thousands with paid off properties instead of hundreds because of these lean 10 years. 4) hopefully you can raise rents at least $100 each every year and in 2 years your cash flow neutral even with preferred short term mortgage. 

If that's the case, you'll want to start with a fix and flip (or hold) type of loan, complete your renovations, get it rented out and THEN refinance into a DSCR loan for a long term hold. 

Example, a short pay history - non-redeeming factor, a 25% down payment, a redeeming factor to counter the short pay history.

I'd rather keep the sub-3% rate for now and finance other properties conventionally for the short term.

That is tight leverage for an investment 2nd position loan.A private investor might be willing to do it, it's not going to be cheap at all & will be short-term money & will not be a line of credit to take out at your liking.What is your rate on the 1st?

For example: We provide tax preparation and advisory services to people who invest in commercial (including multifamily) real estate, and high w2 earners investing in short-term rentals.

Since you’re considering converting the upper unit into a short-term rental, you may also want to implement strict rules around smoking or strong odors in your house rules to avoid future issues.

Stretch the terms or better still negotiating favorable terms with the seller could significantly ease the burden of acquiring the property.Private Investors: As of December, the stock/forex market are performing bullishly. 

Properties in or near these cultural zones can be prime for short-term rentals or Airbnb.3.