However, I’m hitting a roadblock with traditional lenders, as my loan-to-value ratio (LTV) isn’t matching their criteria.

." – Chinese ProverbIn real estate and entrepreneurship, it's all about taking that first step and learning as you go! 

won't higher-end STRs just have to be sold, to be turned back into traditional non-money making vacation homes, or primaries? 

Hello and thank you for this reply - yes, I have been analyzing a few properties - I have found that the main issue for both the traditional long term rental and also short term rental in this area is reliable property management - it is traditionally a cottage country tourist area, but it is becoming more popular for long term residency, and there is an emerging missing middle, because of property prices.

Traditional lender is most appropriate (not hard money). 

Team - We plan to 'BUILD' an ADU in our backyard needed to know if there are any "Non-Traditional ADU financing options" out there?

Did you use traditional marketplaces like yelp, thumbtack, angi?

Are you only doing private money are you doing asset based/traditional as well? 

But you don't have to pay the full 5.34% to a traditional agent.

I own a property in the Disney market and co-host/manage another 25 in the area.Disney I think is a good market if your goals are more aligned with traditional long term real estate goals, and a bad market if your goals are more immediate gratification and short term cash flow.The major benefit of the Disney market is that it's about the safest market you can find from a long-term perspective.