Alternatively, some places are constantly jacking HOA fees because a few people who get control of the HOA want to live in the Taj Mahal. 

I am not sure I can find a better alternative investment if I don't ? 

Also as a high income earner, you are likely going to be able to get into crowdfunding and many other alternative investment vehicles. 

I’m not your average realistic company so our ways of funding are a lot different and more of series of funding rather than deal by deal real estate capital with different capital investors each time for just one property Is this an headache waiting to happen to me and it makes no sense to really continue doing substructure deals but it’s still not a bad way to start for some who don’t understand other Alternative to private lenders.

Yes some banks offer alternatives in order to upload documents but even at large insitutions they request items emailed.

Your alternative is to refuse.

Alternatively, look at Tellus free smartphone app/ PM software which basically incorporates Naborly screening along with tenant maintenance/ communications and free ACH bank payments.

Just make sure any vacation rental property you buy you have an alternative hold or exit strategy in case vacation rentals are no longer a viable strategy.

In the meantime, deploy an alternative strategy.

Alternatively, you can also get a FIXED he loan.