Single-family can also be a good place to start because there will be more options but you lose the extra rental income. 

The biggest thing that you might not see is that some of these rental listings could be overpriced compared to rental comps.

Here's a rundown of our current financial situation and REI experience:Current Properties:Short-term rental in the mountains of NC:- Owned outright- Grosses $2-4k per month- Valued at $400kCondo in Charlotte, NC (long-term rental):- Owned outright- Rents for $2.9k per month, cash-flowing $2k per month- Valued at $350kPrimary residence:- Located in NC- worth $800k, owe $200kMy wife is also a minority partner in an investment group that specializes in BRRRing foreclosed properties.

I am looking for a DSCR loan for a long term rental I have in PA with small cash out.

If we do a long term rental lease we're worried the place will get destroyed by renters.

I only have handful rentals but hope to grow in the long run so I'm hoping to handle everything at one spot!

this is a toughie. hard money specifically is equity-driven, meaning they'll likely want 40%+ down to even entertain the deal. additionally, land without improvements is often very inexpensive (relative to land with improvements), usually pushing below a threshold which makes sense for a hard money lender. if you're not intending to build right away, then i think you'll have the best luck with private money instead of hard money. usually higher leverages than hard money, and more negotiable terms.if you are intending to build on it pretty right away, a ground-up construction loan could work, but those will typically require some ground-up construction experience (on title on other ground-up deals), or an extensive portfolio of heavy rehabs/ rentals/ strong liquidity. those will give you acquisition monies (to buy the land) and build monies (to build the improvements).

I originally purchased this house to be nearby my grandmother in her last few years but realized quickly that it was a prime area for short term rentals as there are no zoning rules or permits necessary etc.

I recommend that you focus on identifying areas with strong job growth, increasing population and a solid rental market.

However, I am in escrow to buy a home, but my plan with this one is to rehab and turn it into a midterm rental as my very first buy-and-hold.