Try toget a big enough bank.3.Pickinga Lender-Don't go with a large National or Regional bank; or a small Low capbank.

Getting a property that is unique and stands out from its other STR competition is key.

I thought it unique that if you bought a property off market they would say it’s not an arms length transaction and disregard the sales price.

But the contract prices are still ahead of the appraised values, so traditional financing is a problem.I should also mention that I am referencing an extremely desirable short term rental region.

I am buying a property tomorrow and will refi out of it within two weeks with a small regional bank.

You'll find it to be a pretty unique city, and not just in terms of the buildings itself.

I use a local/regional bank for the bulk of my investment mortgage & HELOC needs.

What you are experiencing is not unique.

Most National or regional lenders have unit or loan limits above what you are needing.

So you need to provide a spotless, quality, unique adventure for them.