The one bleeding out on all the "and-then's" or the one sitting back with premium inventory that premium tenants will pay premium rents for, just accruing equity for a few more years to rinse and repeat before cap-x/maintenance cycle starts. 

Conventional loans jumped to 12 months seasoning about a year ago.

I know conventional would be cheaper cost wise, but isn't her husband eligible?

I cannot qualify for traditional conventional for multiple reasons but the over 200 to 1 debt to income ratio is a primary reason.  

@Daniel Hartless for any condos that allow STR, you will not be able to get away with 10% down as a second home, because conventional loans do not allow financing for a short-term rental and will require a minimum of 20% down.

@Mike Klarman have you had issues with getting a conventional loan under an LLC?

But yes, if airlines don't sell their inventory, they slash prices closer to a date. 

A few are conventional 30-year fixed loans. 

Digitize physical receipts for easy storage and use a consistent naming convention for easy sorting - 2024.03.25 Home Depot.Maintain proper records, such as contracts, settlement statements, and promissory notes.Additionally, you can track income and expenses consistently using software or spreadsheets.As you scale, if bookkeeping isn't fun, consider hiring a bookkeeper for a couple hundred bucks per month.

With an LLC using conventional loanOr2.