@Mike Klarman have you had issues with getting a conventional loan under an LLC?

I know conventional would be cheaper cost wise, but isn't her husband eligible?

@Daniel Hartless for any condos that allow STR, you will not be able to get away with 10% down as a second home, because conventional loans do not allow financing for a short-term rental and will require a minimum of 20% down.

I have had a couple of addresses over the years and usually I have used UPS, but lately I have seen a lot of virtual option popping up ... earthmail ... regus ... digital mailroom ... there seem to be quite a few.Would anyone have feedback on the best route to go?  

Invariably about 75% or more of the positive reviews come from people who say they attended RADDs Wealth Retreats or conventions, suggesting a more cult like/beholden nature to their reviews perhaps. 

A few are conventional 30-year fixed loans. 

If you got your credit decent you can start soft shopping for conventional/fha home loans if you didnt do so well improving  your credit this is where you start looking for private  lenders, partners and investors.

@Dave Harlan, I have been using conventional lenders since last 7 years and hard money since last 1 year.

They typically have multiple origination points (meaning very high closing costs) very high rates (compared to conventional but also compared to 6 month or longer waiting period DSCR products) and almost always have VERY long pre-payment periods up to 5 years.

That's missing the forest for the trees, but you do need to manage cash flow because if you're buying conventional you'll come across DTI issues soon and if you're buying nonQM it needs to be 1:1 ratio at minimum to be qualified without unfavorable terms.