What seems to be your case - request a capital call to cover debt service for the next year "hoping" rates go down.

It may feel cumbersome, but their diligence reflects the level of security and service you can expect once onboarded.

I have read I will need to use a third party service to make this happen.  

When I looked into IRA accounts, I found that it didn't do service to my situation.

There is so much free content out there that can teach you about guest services, software, vendor management, and so on. 

You will be providing other services if smart, things like great high speed wifi, cable isn't a bad idea as it's a good pacifier.

I'm using Minoan to furnish a luxury STR and it's been incredible, and I am actively trying to find a way to better leverage their service. 

I loathed those things in the service.

Daniel, thank you for your service.

Risks: rates go down and you have to pay a prepay of 2 or 3 %; you have to sell and pay the prepay; rents decline & you can't make the payment like any other type of loan; cost upfront a little more than conventional; need to find experienced broker licensed in the state where subject property sits; servicers are bulldogs.