Does anyone know anyone that does 5% for a vacation home loan? 

As long as you express the key details of tenant information, lease dates, along with any standard information to vacate, and clear language of "non-renewal".

I am looking at purchasing a vacation rental in Costa Rica and I have a couple of questions in regards to that.  

Purchase price: $785,000 Cash invested: $156,000 Short term vacation rental in Panama City Beach.

It's inside the city zoned RG-1, we would like it to be a vacation home and STR

So - somewhere 2 hours away, or somewhere you like to vacation in, or where all your family lives, or where you plan to move someday.Too many people are trying to do exactly what you're doing - pick a market based on a formula - and they end up buying a random 'cheap' property thousands of miles away, turn it over to people they've never met or even spoken to, and then... lose money.  

Also, try and reach out to the Sandbridge vacation rental companies and see if you can get on their list or radar. that would be a great way to get very steady demand in the summertime.

Hi Itay, I'm a vacation rental designer that specializes in data-driven design to maximize ROI.

This is a unique home and it actually has a full kitchen, 2 bed and 1 bath downstairs and I think it might be well suited as a very large vacation rental(entire home) or both floors being rented separately at some point in time.  

For example, in higher-end or luxury markets, where the price point is much higher, full-service staging can be a game-changer.