If you know how to Airbnb and know your expected return and have to choose legally from these two options, I think the first is better.

Let us know what you think.  

Gift funds up to 100% can be used assuming you put down 25%, if you only wanted to put 20% down then, we'd require 5% of your own money, the rest can be a gift.Let me know how I can help and I'd be happy to work up rate and loan payments.Thank YouCraig 

Most folks still like listsource that I know.

Let me know if you want to talk it through!

The most successful landlord I know doesn't get caught up in petty fights with tenants and always try to be reasonable.

The lender is going to provide some necessary guard rails to protect you from what you do not know. 

I'm new to the area so I don't know any other contractors. 

To help you pick the best tax classification, it would be great to know a bit more.

There are a lot of factors here, but feel free to let me know what goals you have and what areas you are looking into and see if I have any localized advice.