Since you're a U.S. citizen living abroad, non-QM (non-qualified mortgage) programs designed for foreign nationals might be an ideal solution for your situation.

That's a well-designed portfolio from a geographical diversification standpoint. 

Conventional mortgages are designed for individuals to purchase homes, not for businesses.

You'll need to compare apples to apples. 40k seems like a low number to design, furnish and amenitize a competitive short term rental projected to do $100k. 

ROBS designed to invest retirement funds into an active business.

(Also, ask them who they use to design it.)

What specifically do you mean by Adult Family Home?

As a lender who specializes in financing for real estate investors, I understand the unique needs of the BRRRR strategy and can offer tailored solutions to fit your goals.Here’s how I can support you:Flexible Financing Options: Various loan products designed specifically for investors like you, allowing for quick access to funds for purchases and renovations without the stringent requirements of traditional lenders.Experience with BRRRR: Having worked with many investors using the BRRRR method, I can guide you through the financing process, ensuring you understand the best strategies for maximizing your returns.Quick Turnaround: With a streamlined application process and quick approvals, you can move fast when you find the right property.Personalized Support: I’m committed to building strong relationships with my clients.

I've always been a bit of a "job hopper" and have worked in several different industries over the years (eg. healthcare, insurance, bartending, audio engineering, project management, adult corrections, and other security work).

If you wanted the REP designation in the future, you can have your signficant other qualify and that would allow you to qualify (e.g. a stay at home wife) or you can take a consulting role resulting in the real estate being your full time gig.