I try to go with the big players than the new ones in the market.

Looking for my "team" or at least the first few players in there while also reading and learning other real estate info, like Bigger Pockets.

You have to have major skin in the game to compete with the big players in those neighborhoods.

STRs were the flavor of the month over the last few years, so naturally they attract new players.

These last two players one always pays last day of grace period, the other usually the same.

Any opinions on working with a local lender vs. a national player?

I would recommend that you go to some of the local meetups if you are able to as you will meet the key players in your areas of interest.

Always follow what the big players are doing.  

The county will allow you to set up a meeting with them and allow you to ask questions with community development, and associated players.

I am not a big player in this game but I have found that if you do due diligence with backgrounds,  if your rates are fair, your contracts are well written, and you are politely and consistently enforcing them...you will have a reputation that eliminates many problematic renters from coming to you.