In my opinion, and echoing the sentiments expressed here, this is an area with solid, predictable, consistent tourist traffic and limited "traditional" lodging opportunities, which is a good environment for STRs - but the market is quite competitive, and a top-notch experience and some sort of hook or "niche" will be necessary to keep your property at higher occupancy. 

I use American Express Business Platinum and spend around $1M a year on it. 

The mortgage lender I am working with has expressed reservations about underwriting a home with no heat.

I tried on my own but it was difficult to figure out, similar to what many new members express here on BP who are seeking mentorship and advise. 

I've heard folks express concern that the leads that they get from social media aren't necessarily qualified.

Did he express any concerns?  

They don't make express promises or guarantees, but if anything, but I definitely get the sense that, if any issues arise, they will go far out of their way to make things right. 

I did express my disappointment many times in lack of communication and it improved a bit after closing.

TBD, LLCNo. of Properties 8Quote Date 10/20/2023Property Value $ 1,448,000Rental Income $ 18,241Taxes $ 15,319Homeowners Insurance $ 4,150HOA (if applicable) $ 0The above information was used to calculate your quoteSummary Terms 79.38% LTVLoan Amount $ 1,149,350Rate 9.250 %Origination Fee $ 11,494Buy up/down $ 0Underwriting and Processing Fee $ 6,373Prepayment Penalty 5, 4, 3, 2, 1Payment (P&I only) $ 9,455Payment (PITIA) $ 11,078Cash Due at Closing $ 370,784Cash to borrower $ 0The Interest Rate expressed in this Estimate of Costs is indicative of the interest rate offered by Lender as of the date of theEstimate.

@Damian Callaghan There is an expression I’m sure you’ve heard, “Great deals are made not found.”