I bought with a cash-flow on day-1 and could tolerate two vacancies before creating red-ink, so it's crazy to be penny-wise and vacancy foolish.I know there are those here on BP that harp on hobby vs professional business operations, but there's more to the bottom line than just GSI - - consider the opportunity losses created by vacancies.

Part of your rent payments can go towards the down payment, allowing you to build up the necessary funds over time while living in the property.

Here's a PARTIAL list:Office rentComputers, printers & softwareInternet & phone billOffice furnitureOffice supplies: paper, postage, ink, etc.Office liability insuranceAuto expenses: monthly payment, insurance, gas, maintenance, registration/plate feesBroker license fees: annual, monthly board & MLS fees, continuing education fees, E&O insuranceEquipment: lockboxes, signs, etc.Payroll & payroll taxesBusiness income tax preparation and paymentsLabor: answering phones, calling past due tenants, scheduling tours, taking marketing pics, processing those pics, writing ads, researching rent amounts, posting ads, explaining to owners how rent determined & showing where ad posted, opening & processing mail, posting payments, bank deposits, scanning documents & posting to owner & tenant portals, explaining accounting to owners so they understand their monthly statements, taking pics/videos of repairs, finding reputable handymen and contractors, confirming they're properly licensed & insured and tracking annually, verifying repairs done properly, processing invoices for utility bills, repairs, taxes, city inspections, scheduling periodic property evaluations/inspections with tenants that don't want strangers in their homes, explaining to owners why taking so long, and more & more & more...

You have to be able to have enough cash flow to pay for proptery, live off, and also to reinvest back in the business.Maybe I need to adjust my strategy a bit and do some flips to build up some capital for the rentals.

So far I got the Chase Ink card, but the funding process is moving very slowly and with very, very low limits.I hope that clarifies where I'm at in my head (still trying to figure this out!)

However, I would like to finance a business auto loan in my LLC name in order to help further build up my business credit.

I am hoping to like many others build up a good retirement through real estate and are looking for opportunities to learn good practices, soft skills and gain confidence and build repeatable systems that can scale. 

I would house hack subsidize my mortgage which gives time to build up capital and would refinance to conventional loan and start my next investment!

It takes time to build up the reputation, even in a popular area like Sedona.Sedona does have a ton of STRs but it sees in the neighborhood of 5m visitors a year so I wouldn't worry too much.Getting on VRBO is a must IMHO.

The overall goal is to just build the 20k up,  Just looking for the best short term way to build up that cash.