Hey @John FriendasI have purchased 4 of my Co-Living (rent by room) properties with DSCR, 1 of them within the last few months.Not that I necessarily recommend this, but there are short-term-rental DSCR products.

It gives you a non-passive short-term rental.

.): ~$1600Savings available: ~15-20% of the purchase priceCash to close: ~$34kRehab estimate: ~$34kRemaining reserves: ~$20-25kTo fully fund the rehab, I’d need to come up with an additional ~$15k in the short term, which I anticipate paying back quickly once the rental portion is generating income.

But real estate is a better long term wealth generator.

TECHNICALLY, this falls within the long-term laws because there are only 2 categories - long-term or short-term.

In my opinion, the national debt is a medium-term problem.

The loft is very successful on Airbnb and people love the main house for long term rental.

To make the acquisition feasible, I utilized an FHA loan, capitalizing on the historically low 2.875% interest rates and the attractive 3% down payment option.

I also live in Vacaville, I buy homes on terms throughout the bay area and Sacramento valley.

I would try not to tie up any of the principal in down payments.Personally, I had a family member do this same thing, but they used an investment portfolio as the collateral instead of real estate.If you play your cards right, this might be the only short-term money you ever need.Please let us know what you end up doing.