DSCR lenders will be able to go up to 80% LTV and require no seasoning as long as there has been documented improvements and the property can debt service at the higher loan amount. 

I current use another marketing company called Swithback but they are quite expensive. 

FHA & VA allow for a "Change in circumstance" for example you are moving, changing jobs requiring new location, new school, enlisted military, divorce, other life circumstance outside of your control.As far a penalty due to no intention as using from the start of the application.

This insulates the Landlord from rising expenses over the term of the lease.2. 

It will give you all expenses you'll face.

Now if you can find a SFH with an ADU, that would be a good option as well if a duplex is too expensive/unavailable.

You are required to have 5% of your bid deposited into the account.  

You can also use previous experience in other STRs to satisfy the 12 month requirement by most lenders. 

And find out whether they would require a liability waiver from each guest.

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.