Those holiday numbers are a bit low, those daily numbers are a bit high. 

Not for a single airbnb like you are seeking (you and everyone else) but because if you start a BNB or a guest house or a hotel, you can get 40% of your investment back in the form of a tax CREDIT that you can sell for about 90 cents on the dollar. 

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

Did you finance this deal with a local bank or credit union?

If you're willing to have roommates, your options open much more broadly, and you can potentially assume a loan with a low interest rate. 

Thats good to hear it is resolved and sorry about the credit.

The chances that you currently live in a city meeting all these criteria are low.

We are in a constricted market cycle, low volume, strained budgets, high costs.

I looked at the rental trend over the past 10 years, I should be fine in year 7 for the refinance unless rates are totally out of this world.Your right those rents would be really low for Stamford. 

Most of those old houses with the upstairs ceiling rooms are just about 7 ft in the middle of the room but they go down to as low as 3 ft.