Johnhttps://www.biggerpockets.com/blog/why-reits-are-safer-than-...

Can be tough but they are out there.

Personally all of my STR's could at least cover themselves as LTR's, although I acquired most of them pre-COVID and it is tough to make a retail investment at current rates and values that work as both. 

Well, it seems unfortunate and a tough situation!

Charlotte is a tough market for investors at the moment as we have had a considerable rise in the average price of housing as it has become more popular here. 

The rules are not hard to follow and of course you'll need to plan for RMD's unless Roth but if you start a few years out this isn't tough.  

-i do think it's going to be tough to find what you're looking for, which you acknowledged. 

Jumping in with no money down is possible, but going for 100% financing can be risky—it means less leverage and higher payments, which can be tough, especially starting out.

Each city’s approach can play a unique role, but zoning for higher density developments stands out as a powerful strategy, albeit a tough one to get passed.

Additionally, if the property needs renovation, you may have a tough time finding a HML willing to lend on it in 2nd position if it is in a distressed state.