Hi @Frank Pyle,**I am not affiliated with any of the companies mentioned**To secure long-term financing for your Airbnb, look for DSCR lenders that accept pro forma income instead of requiring 12 months of rental history.

Im old school...my cpa is in the building next door and I like doing business face to face.

I can see why so many people have such large histories on the forum.

I liked the tenant, school is starting back etc, I told them they could pay first month and security deposit and I would let them have the rest of August for free.

Therefore, if you look at history, real estate has continuously performed in an upwards fashion while, like any other investment, has experienced short lived corrections from time to time.

(Auctions and foreclosures can also provide great leads.)With $20K, hard money loans are a practical option, as they emphasize a property’s ARV over your financial history.

Hindsight is 20/20, and my education (courtesy of the school of hard knocks called Life) has shaped my approach to real estate investing and how I help others achieve their goals.Since 2021, I’ve been working full-time in real estate, specializing in assisting both local and out-of-state investors in acquiring small multi-family properties and short-term rentals.I would love to meet up with you and further discuss your REI interests and goals.

I've heard that some people have used a trust account or something similar as a method of income, if you can prove history of payments and continuation of these payments.

Verifying last 2 years of rental history very important!

Germantown has plenty of opportunities, especially if you keep an eye on areas with improving infrastructure or schools.