My favorite (and current go-to) program uses 80% of AirDNA figures for new STR properties without a rental history, but your current rents will provide a much more solid figure for underwriting. 

Providing this in Tampa, St Petersburg, and Sarasota Florida, as well as in Certain areas of Tennessee. 

I paid the lot rent ($550)for 2 yrs on an empty house when I could have been collecting rentDid you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Doing everything on your own with limited experience and no professional support typically ends up with one of two results:1.

@Darrell Kirby, the typical sales contract in my state would provide for 2 basic possibilities if a buyer didn't perform according to the contract. 1.

If commercial properties, you can seek loans from small local credit unions and banks that base it off of the debt service coverage ratio and regularly provide loans in the 7s.You can also seek commercial loans on residential properties as well.

The on-island local contact doesn’t have to be a licensed real estate professional, unless he/she is also involved in real estate activities, like renting or offering to rent the property.And I've had at least one client do cost seg - if you'd like a couple referrals, you're welcome to contact me directly. 

Providing personal access is defined as a ministerial act.

renovation including a roof replacement Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I recommend you print, study, and highlight the HUD guide: https://www.hud.gov/sites/dfiles/PA/documents/HUDAsstAnimalN...You should also check with a local HUD office to see if they have any additional guidance they can provide you.Keep in mind, not everyone is subject to Fair Housing requirements and you may be exempt from allowing the ESA!