There have been a few times that has saved me with people ending their contract early, or minor repairs that they didn't want to pay for etc.

https://www.biggerpockets.com/blog/short-term-rental-loans-a...High Level --Conventional will typically offer lowest rates/fees but harder to qualify, especially if you are scaling and past the first couple of properties or going for the high-end of the market-2nd Home (10% Down) - should be very careful here - these are not intended for STR properties and people using them for pure investment properties are entering dangerous territory (you are attesting to use it as a rental half the year or less, no management, need to live in proximity, etc.)- DSCR Loans - typically your best bet if you don't quality (or have "outgrown") conventional or looking to scale a portfolio or diving into more specialized markets. 

First fund I have seen where people are experts in self storage, private credit and MHP. 

It is very basic and not really driving people home.

You can also look at refinancing for a lower payment, rates are in low 6s now and likely to hit 5s in next few months. 

We have been getting people complaining that we only leave 1 full roll of toilet paper on each of our bathroom toilet paper holders.

You know the answer.Just be a good landlord - provide a nice, clean and safe place for people to live and charge accordingly.

In my area it's hit or miss but there is still many pockets that are moving fast

When people ask me how much the deposit is, I say it depends on your credit score. 

She sounds truly awful and does not accurately represent the people of the Bay area.