Is there a company that offers an alternative independent of a specific platform? 

@Morgan Vien For your Oregon rental property, forming an LLC in Oregon can provide liability protection specific to that property.

MANY things can affect the title to a property, not only issues that are specifically recorded as a public record like a mortgage.

There are state specific items to take into consideration.

Does it clearly indicate that a specific address is a short-term rental, making it visible to my next mortgage lender?

Texas does have specific rules regarding home equity loans and cash-out refinancing (often referred to as "Texas Equity Section 50(a)(6)"), but these don’t prohibit homeowners from using funds for investment properties.

Are you exploring a conventional loan or a loan specifically designed for rentals?

Quote from @Monish Anand: Start by looking for personal recommendations from investors in that market, then look on realtor.com or a google search.DO NOT use agents suggested by a website like realtor, Zillow, etc.

You can find both and you can reduce the commission but you may need to do more work.More specific on your questions about price, that is also negotiable.

Optimizing your listing photos for specific shots that perform highly and leveraging Airbnb AI to maximize visibility in top categories.Why CTR MattersCTR, or Click-Through Rate, measures the percentage of people who click on your listing after seeing it in search results.