You would have had to be there for at least that to save on the capital gains taxes (up to 250k). 

Hi,We recently (Aug 2024) bought commercial land of around 2 acres. this was part of bigger commercial lot (around 25 acres) which had AG exemption and so the taxes that they paid was around $20 each year. we received a 'AG ROLLBACK' letter from the appraisal district that starting 2025 tax year, we will be taxed at it market value resulting in additional taxes, interest and possible penalities for 3 prior years.

One time when I bought on owner financing, I totally forgot that I didn't have property taxes included in my interest-only payments to the seller. 

The house has appraised for $335k, my hard money note is for $242k, and I'm looking at only about $15k out once closing costs, taxes, and insurance are accounted for.

Short term (12 months), low loan to value with borrowers who have strong credit and significant assets.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

I don't require it through Airbnb, but I do through Vrbo, because they are notorious for not backing you up when a guest does a charge back on their credit card. 

Property taxes creep up, exterior repairs , and a brand new HVAC last year wiped out $11k of reserves.

The big pro that sticks out to me in Birmingham is the tax rate. 

Local credit union.