Your area sounds very unique.

Just from your post, it sounds like you are doing it remotely, meaning you are analyzing properties online that you think would be good for STR.

We are about 1 month away from completion and I need to finalize our next steps. 

A non-owner occupied loan is what you sound like you need.

Bank of America refuses him access to his funds (while being complete jerks) that they have had in their bank for a week.

My shingles are no longer produced thus my insurance company will need to do a complete replacement.

Cash only is just what it sounds like, they won't entertain financing conditions.

@Evan Polaski I asked for projections VS actuals and got a break down of the last 5 deals the operator completed but anybody could just write that on a spreadsheet and paste it, how would i verify?

They put a immense amount if pressure for you to complete a subjective homework assignment so they can ultimately get you to pay $25,000 the day of the call.

From what I consistently observe, the ability to complete the BRRRR investment strategy and recapitalize oneself is a key metric used in how many underwrite acquisitions.