Currently, I invest in long term rentals, but have some friends who do Short-Term and Mid-Term Rentals! 

The owner lives in the house, but she is very friendly.

We have a lender saying we cant use cash as a down payment for a house, and that we would have to distribute the money to family/friends bank accounts then get them to wire the funds to the the lender.

I am kind of the investor friendly agent for KY and actually specialize in the furnished rentals.

@Jonah Stevenson congrats on getting your RE license.Here's what we warn new investors about when looking for an "investor-friendly" agent:Be careful asking for investor-friendly agents!

Many of my clients find success with a balanced approach, investing in both real estate and the stock market.Personalized Strategy: It's important to tailor your investment strategy to your individual goals and circumstances.

Excited to learn the world of real estate investing and excited to find a mentor and engaged with like minded individuals.

Also, any recommendations for an STR-friendly agent?

Many out-of-state investors look at Ohio to grow their portfolios.It's a growing, landlord-friendly market with a ton of buy-and-hold opportunities.  

What I have done in this situation is I acquired the property and then had the individual sign a long term renewable lease and the cost was $1/yr + the costs of insurance and taxes.