You are competing with hotels in Palm Springs and Indio that offer pools, bars, and outdoor activities like croquette so you need to give people a reason to book your place and you're going to be hard-pressed in the lower price ranges.

@Erik Egelko yeah, you might be very hard pressed to find a lender that does this.  

Go through some historical posts from 2020 and 2021 and see all the pumpers talking about STR as a printing press with 10 percent vacation mortgages.

If you're open to townhomes and the area at large, then there are far more options for you, that was my original point.Even if you're willing to go direct to consumer and source your own deals, you'd be hard-pressed to find a SFH that meets that criteria.  

Andy, I'm certainly not an expert, but from what I have been told Brie is correct, you'd be hard pressed to find a lender willing to do this, and you do have to disclose this type of seller financing to the bank even if you have the cash in your account already and are just going to put the seller financed money back in your account to replace the down payment.Having said that you might be better off getting a second lender like a private investor to cover the 20% however you couldn't use the property as collateral for a second lien unless the first lender is ok with it, or pull equity from another source if possible.Do you have any other properties to pull equity from, or is this a fix and flip that you could build equity into?

There were numerous reports in the press about this year being the year of foundation problems as a result to the heat/drought (here's just one of them), so perhaps we are looking at that as opposed to the tree.

However once you get into the suburbs you would be hard pressed to find a willing tenant.

Then there are local ordinances that require park benches and raised islands with trees and shrubs, sidewalks and other beautification requirements. 

So far the only Dutchess properties that could make sense are in the Fishkill, Wappingers Falls, Hopewell and Pawling areas - and then I'm hard-pressed to find what I'm looking for.

A Nolo Press article says "The creditor can also require that you bring certain types of documents to the debtor's examination, such as tax returns".