Sometimes it is an overlay their lender has, or the inexperience doing investor financing.

But this is where my inexperience comes in.   

An STR is very basically an alternative to a hotel, so if the market supports hotel and motels in a given geography, you can be fairly confident your STR would work, especially as you consider the changing demographics of travelers, i.e. younger and more interested in experience vs. strictly convenience. 

My biggest issue is finding that capital, especially given my relatively low utilization of credit and inexperience in the market. 

or is it my inexperience? 

The members here range in experience from new to experienced.  

It felt like a lie or inexperience on her part.

Many new investors have C properties they would call A properties out of inexperience.

Now, I'll leave this for our egotistical youthful experts applying their logic and inexperience. :)  

Interrsted in experience of folks who have actually been sued with an LLC in place.