From my understanding, it might be more advantageous to refinance as a rental property at a lower LTV with income from two units, rather than as owner-occupied at a higher LTV with only one rental income considered.

I've been doing some studying on short sales but still working to understand it better.

I understand I file for the net loss.

@Keetaek Hong I have a lot of clients who are facing the same challenges but they understand the long game and that it's imperative to build a portfolio, With that lowered interest rate I mentioned you are looking at 30% down and including PM fees will typically have you around break even or barely positively cash flowing.

Not questioning your judgement/assessment, just trying to understand the situation to best advise you. 

I'm sorry, I don't understand this post.

Whether you’re an experienced investor or just starting, understanding the dynamics of JVs can help you grow your portfolio and achieve your financial goals.1.

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.

Quote from @Max Martynenko: Thanks for your understanding and sense of humor!

I highly recommend working with professionals who understand the unique needs of STR investors—it makes all the difference!