I am above 50% on standard Visa/MC, below 50% on Amex, and about 0% with anything that is like a local credit unions. 

Since posting your listing on multiple platforms had no downside for such a long time, this "post your listing on every platform because why not" became a standard of how to run your STR.

It was a standard loan.

Charlottesville permitting is usually a nightmare and I can tell you that if you are trying to do something like that fully up to code then the city's standard is going to be more or less the same as a normal house/structure.

All the same rules of a standard DSCR cash-out refinance would still apply.

You should be able to balance paying down your home quicker than the standard 30 years while still investing in real estate, so instead of 1-2 a year, maybe 1 every 2 years?  

Unfortunately, the price is pretty standard (average) for the Cascais Centro area and we had already worked the owner down from 1200. 

This area of banking could do with some standards. 

Then trim into standard small lengths. 

The Standard wholesale process is that you get the property under contract and that contract states that you have the right to assign it.