Do I send a one page letter?

I wouldn't touch it.

It's better than it used to be but they don't make it easy.

, it is virtually the same unit).  

Do a little research on using CC's for your business and paying 0% interest - there are quite a few people who teach about this.

It does not seem as important when you get started with one or two, but the issue keeps getting bigger

We had enough rich friends hear what we were doing; it felt like we cracked a code - a vacation property that made money.

What you do need to have is some revenue. 

It would be unfortunate if you bought a condo and later realized that you could not legally do Airbnb. 

instead of a lender try to find a capital partner and share the deals.. thats what I do provide money for JV's  works great its a win win.. your going to waste your time trying to find nothing down lenders.. unless you already have one that really loves you then its possible.