But in my experience, you would be better off spending that same amount of time/hustle working a second part-time job with guaranteed income, then investing in buy-and-hold properties. 

That sounds great although like I mentioned, The property would not cashflow unless I put a significant amount of money into the principal. 

The lender is basing the amount they will lend on the income of the other STRs in town....I am trying to figure out how to deal with this...I really appreciate your time...Thoughts?

@Allison Cutlip I’d choose whatever account has the most flexibility and the least amount of fees.

Does that amount seem reasonable?

But on this specific guy, I jumped on a call to explore the program and it was a high pressure sales call, it did not feel organic, not trustworthy and certainly did not feel the right fit.Why would someone spend 10k on a so niched-down space of real estate when they can get someone for the same amount to teach him/her everything?  

Welcome to the community and be ready for a huge amount of information at your finger tips.

If you bought the certificate from the state for the full amount quoted to you, you must contact the state and get the calculations of how they arrived at that number.

I put 20% (54,000) and then an additional 7% of the loan amount ($15,000) since the bank only offered 93% loan of the purchase price. 

Hey Jonathan, I have great programs for investors and no minimum loan amount!