@Vinny Muli - it is VERY hard but not impossible to get an equity line of credit on a non owner occupied property. 

It's likely a scam anytime they sound like AI or the grammar is weird or they use the word "kindly", if they ask for you to respond to them off-platform, if they say their employer will pay for it, if they ask if the dates they've specified are still open (when they can clearly see they are open on your calendar), if they ask for a video of your property (they probably want to set up a duplicate listing with your photos and video and scam others out of money), or if they want a long term booking and they have just joined the platform and have no reviews (could have been evicted from somewhere else, and hope a newbie will let them in with no background check, they'll end up not paying or credit card is bad).  

Get knowledge, follow experienced people, and leverage wisely.My Take:If you have two houses, excellent credit, and motivation to build wealth, you can learn to manage your money responsibly.Use HELOC, credit cards, and business credit funding to leverage your cash and buy properties faster.

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.

I think your future self will thank you for doing that.Perhaps take out an equity line of credit in case you need it and using a property manager.

It gives you the flexibility kind of like a credit card that allows you to borrow a certain limit and withdraw funds as needed.

However, aside from that, I couldn’t find much information about them, and the only online presence seems to be the wife’s LinkedIn profile (though I’ve never met her in person and am just going off her profile picture on Zillow).After submitting the application through Zillow, we attached our income (two months of pay stubs for each of us from our current jobs), work references, credit and criminal background, rental history, and the contact info for our current landlord (who just so happens to be my fiancé’s father).

Credit!

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

They may also require US credit history, although there are a handful that will not require a US credit report for an increased rate/ reduction in LTV.