A DSCR loan is going to require more down, have high fees at closing, a higher interest rate, a pre-payment penalty, and will require you to have cash reserves that you likely don't have at the moment.

Annual fee $25.PenFed - max 3 other properties, 89% LTV Regions- yes HELOC but no LOC SCCU Florida 70% LTV, 6.25% interest only, not LLC Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”TD Bank TIAA Direct was EverBank Tower FCU, all states except TX, max 45 DTI, green card ok.

For cost efficiency, consider using a flat-fee attorney.

The legal fees and filing fees for the Reg D package average about $10,000 or so.  

One thing you might think of doing is having and promoting your own website to avoid the exhorbitant fees charged by the third party sites such as Expedia, Booking.com and Air BnB.  

Yearly bank fees for each, aka choose your bank wisely.

I have written about it before in long past. 2) Yes, no PM and no tenant placement fee consideration.

Get a good cap rate basically covers your financing and ideally 20% more for maintanance, prop management fees.

With the retail center the leases are all NNN and those leases had management fees baked into the leases. 

However, there are also some downsides to consider, such as higher fees/interest rate.