My firm will do 70% on an investment property as long as its a SFH, Condo, or Townhome.

In the long run though your risk is high initially in either case until you come to understand your market, your goals and what you are doing. 

This home has little cash flow and I was thinking i will hold long term but i am thinking if i should sell (will buy some Multifamily If i decided to sell with some extra cash) home this home or keep it.

Nothing but forum reading and podcast listening has been happening in my world since my wife sent me the Hyatt podcast last week.

As for taking a long time to get paid, that is Innago's policy.

The initial effect on mortgage rates was a subtle increase in long term bond yields, however in comparison to earlier this summer residential and commercial mortgage rates are down considerably.For example commercial lenders were in the 7%++ range just a few months ago, and recently are as low as 5.5%-6% and falling.

For us it varies by property - smaller more urban units can be 80,90% Airbnb whereas larger beach houses can be as low as 30% Airbnb but company wide on 65 or so doors last I checked was 40% Airbnb, 30% VRBO, 30% Other (Direct, Marriott, Google, Booking.com, Jetblue/Allegiant Airlines, others).

Theresa not really accurate.. see my answer above things in the title and escrow world have changed dramatically in the last 10 years or so..

I purchased this older home last year ($120k), which appraised at $186k before closing.

A bankruptcy hurts a credit score obviously but it's been long enough that it's highly possible he has built the score back up above 620.