You could get a loan from a local bank or private lender to fund it

there is no bank, no mortgage, and therefore no due on sale clause.if there is a mortgage in place, and you take the payments over, this is typically referred to as subject-to or sub2 and is much higher risk for everyone involved.

But at first, just be a great host and you'll get great reviews.

Kendall Knight with First Horizon bank for lending.

Community banks generally have no seasoning requirements.  

Quote from @Stuart Udis: You can also reduce your transactional costs by using a bank construction to permanent loan with an earn out.

I figured why not just use a banks money instead of using a customers money and not have to deal with picky customers.

Bank recourse How did you add value to the deal?

Too bad other hosts don't consider the new expectations we're receiving not only from guests but also OTA sites.

Quote from @Griffin Malcolm: Open an LLC and apply for a small business line of credit from Key Bank.