Finally my closing thought is, is there any downside to moving HSA banks I may not have considered?

Seller is the Agent.Seller bought property in January of 2023 for $730,000Current “As Is” Value : $770,000Target Acquisition Price: $730,000-$780,000 After Repaired Value: $900,000Repair Estimate: $120,000Initial Offer Amount: $715,000Loan Program: Bank Statement Program.Total Estimated Monthly Payments (Principal, Interest, Taxes, and Insurance) $5500/month (based on $770k purchase price)Estimated Gross Yearly Income from Short Term Rental: $160,000 (65% Occupancy, $700 a night| (STR Listing Comparable properties Listing 1 Listing 2 Listing 3)Net Monthly Income after management and taxes: $11,751.25Net Monthly Income after Mortgage Payments: $6251.25 ($75,015) Per YearTotal Cash Investment: $297,000 ($177,000 in down payment and closing costs and $120,000 in repairs)Average Yearly Return on Investment: 25% yearlyAverage increase in property value per year: 5%Average increase in booking revenue per year 7.5%Property Value average after 10 years: $1.5 millionTotal Cash received over 10 years: $1.3 million.Total Equity multiple min over 10 years: 6x total return on $297,000 invested.

I agree with everything in this post and if it was a month ago I may have agreed with everything in this post (and I gave it an up vote).

Quote from @Katie Camargo: Recently closed on an older property that needs some updating.

Quote from @Chinku Chinku: Got a townhome in suburb area of Houston for long term rental close to katy mills (<5miles).

I have some family in San Antonio and grew up visiting often.

Close to the University of Virginia and a large research hospital.

Alberta, USA or anywhere else that makes sense.Or invest a close to Vancouver as you can that still cashflows. 

You can have multiple conventional mortgages and have a great credit score as long as you don't pay late or get too close to the maximum debt to income ratio.

All lenders have strengths and weaknesses, staying close to them is the only way to learn what each of those are.