The upper level would be overflow capacity in the peak season and a 4-week or 12-week rental to digital nomads in the off-season.

I also need it to be "editable" so that I can other items in. 

If you can go deeper than 7 feet then by all means go for it, but if you can only dig it out to the legal 7 foot ceilings then it's still worth it since like you said in your location someone will rent it for $1300.

I currently have a tenant in a home I am managing, I have been using Avail and as of recent I don't like the platform, I have noticed that my tenant like to edit the payment after the due date and that makes the collection date longer (Avail takes a whole week or more to get the rent in).

I would say that a 1.20x DSCR ratio minimum for BRRRR is a bit high - plenty of options out there that wouldn't require such a hurdle A lot of industry DSCR requirement doesn't make sense actually, typical cap rate right now for single family with average price of $1.3 mil in SJC is about 1.5-2.0% right now, DSCR is whooping low 0.3-40.I don't know how you guys could qualify DSCR rental in CA these days.Now that our friend in Milwaukee is having trouble getting financing of his own, and we speak about Milwaukee here where not too distant ago, it was in double digit cap rate territory.my question to you lender folks how are you adjust to these situation ?

Just spoke to a property owner we met here on BP.Very nice person who's been DIY managing their double-digit doors after being burned by bad PMCs in the past.Wanted weekly in-depth updates, all rents deposited in their bank account - and then they would pay the PMC their fee, and expected the PMC to use their PM software.Pretty much looking for a go'fer person, NOT a PMC.We wished them good luck.

Are there similar mortgage funds we can invest in to get diversification that pay high single digit returns in USA?

And then pay for digital advertising on local RE/business centric websites.

Does anyone have a maintenance record template that can be edited to fit my needs?

Each platform offers unique features that I find intriguing and that align with my requirements, such as no monthly fees, interest-earning potential, and robust digital tools for financial management.Before I make a decision, I wanted to ask if any of you have experience with these banks or if you have other recommendations that fit the bill.