I would assume that if its for a short term loan, it would likely be better terms with the HELOC but I dont know much about the subject honestly. 

Setting up direct bookings is a great way to save on fees, but you’re right—it requires extra effort to ensure everything runs smoothly.For vetting guests, start by asking a few questions when they inquire, like the purpose of their stay, how many people will be there, and if they’ve stayed in short-term rentals before.

Glad you made your way here.. are you eyeing long-term rentals or short-term flips?

Short term rentals in St Pete are technically illegal but it doesn’t stop hundreds of other investors from doing it.

It sounds more like you want to do work for a short time and have success without knowing much.

https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...Short-Term Rental Loans: What Are the Options and How Do DSCR Loans Stack Up?

Then there’s city regulations—some places heavily restrict short-term rentals, so you’ve got to check the rules.If you find the right spot and automate stuff (guest communication, cleaning, etc.), it can be profitable.

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

This plays into the affordability issues for tenants by allowing them to live in nicer neighborhoods for less money, yet I get monthly revenue comparable to short-term rentals.

In short, you ride the 'coattails' of the previous owner's taxes for the first year.