There are instances where I use alternative lenders and have tried my hand at a few.

It costs about $2000 in Destin, FL for instance to convert a regular residential use to STR use permit if it's the first time the house being coverted for usage.

I think special tools are needed in this instance. 

For instance, I've had tenants drive up the electric bill during the winter because they left HVAC window units in, which then meant the heaters were running non-stop.

For instance, I began as a real estate CPA after building out my own portfolio personally. 

For instance, the 15th is actually on Friday this month.

Low down payment is a significant part of your criteria, Michael, and it obviously fits your personal needs, wants, financial position, goals….But for myself, for instance, ability to pay a low dp is of absolutely no importance.  

For instance, in a time of economic uncertainty, the fed may lower rates but the perceived riskiness of a 30Y fixed rate mortgage may be higher, causing that rate to stay the same or even go up a bit compared to Treasuries.

For instance, not send the LOI, but make contact.

AirDNA and Rabbu are both great tools but in this instance a good realtor is your best asset.