How much would you have to put in it, what would it rent for, with your current mortgage (if you have one) what would the cash flow be, and is it in a good appreciating area that you believe in? 

.- If you don't believe us, think about what will happen if you put several Class D tenants in a Class A apartment building.

Quote from @Isadore Nelson: Quote from @James Hamling: @Jonathan Greene to piggy-back on what your laying down here: I believe a core component of the "problem" is a gross over & mis use of "Cash-flow". 

They bank believes it is more risky for them if I don't leave some of my own money into the deal as a down payment.

When they believe you can get things done they will bring you the deal first.

Stop reading if you want.2) I couldn’t guess what “There is a 6 months of grace period before interest payment begins” means.3) They call their $3555 charge a “Loan Fee,” stated a few lines up as 2%. 2% of $235,000 (loan amount) is $4470.4) Do you seriously believe the loan fee, “… IS 100% REFUNDABLE IF THERE IS ANY DEFAULT FROM THEPART OF THE LENDER OR IF THE BORROWER CHOOSES TO TERMINATE THE LOAN.”5) It’s okay to pay an appraiser directly.

Yes, I believe you are entitled to the EMD back as the seller didn't provide you with marketable title.4.

If you are familiar with BRRRR strategy, I believe it's a better way to go here in Indy.

I believe I spoke with you a month or so prior to when you posted this. 

I don’t believe any jurisdiction is getting more lax on STR regulation.