If you are seeking a more traditional DSCR type loan, then typical guidelines apply; Credit, Liquidity, and Experience. 

It's generally a useful tool for an investor who is estate planning and has a step-up in basis event on the horizon and can liquidate out of the REIT easier than out of the traditionally held property. 

Financed through two traditional 30 year mortgages.

I’m guessing the ski community is highly seasonal and has deep-rooted family traditions of return vacationers.

Roth or traditional or combination.  

Most traditional RE Agents don't have a list like that.If anyone interested, i can expand how it becomes easier once you have your license.

We have rented to some first-timers, but even most of them were older, less traditional students.

.- Immediately refinance the property with a traditional bank mortgage to pull out a significant portion of equity. 

This AI solution is much more profitable than traditional marketing channels like PPC and SEO, and it feels like having a virtual assistant that never stops working, ensuring we don’t miss any potential leads.The system is capable of having natural, engaging conversations with real estate agents, helping us secure deals such as seller financing, subject-to agreements, and cash offers.

 You may be able to secure higher leverage financing through alternative lenders than a traditional bank (not always the case) and this may help advance your objective of reducing the down payment/cash requirement but that may only be temporary relief as you will likely pay more over the course of the loan because of higher rates and fees.