@Joe JungIf you've done rehab on the property and have receipts or photos of before and after, there are a few good ones that require no seasoning and go up to 80LTV, depending on the state the property is in.I work with one or two that will do no seasoning regardless, but there LTV will peak at 75LTV, with exception to 80TLV if FICO is high enough.Cheers!

I will say, pot holes are created by people everyday and they arent blamed for damage to vehicles that hit them at too much speed.

. - STR operators UNITE, leverage the collective power and capital in not just $ but also intelligence, speed, insight, legal and lobbying actions.

As far as I can tell, though, the institutional landlords are really, really concentrated in certain markets, and there are entire states where they don't own anything.I also watch the homeownership rate - it peaked in 2004/2005, fell to a low in ~2016, and is now coming back up. 

You should have one on speed dial anyway.Also, some good questions raised.

I expect to do better next peak season once we have plenty of reviews and our calendar is open in advance.

You never know when the peak or the valley is. 

SINGLE FAM Scenario 1: The single family home 3bd/2ba home could get me $27K/annually via airbnb ideally without considering non-peak season and I'd want this single family only for short-term rental purposes only; not long-term.

STRs that are not the absolute peak performers are already having issues with vacancy, and AirBnB recently changed their platform so that only the absolute cream of the crop units (five star resort-level luxury units with thousands of perfect guest ratings) are getting promoted.In a nutshell, STRs are a lot more work, require a lot more expertise, and are a lot less reliable/secure than traditional long term rentals (all other things being equal).Plus, house hacking a long term rental will give you invaluable experience in how to analyze, acquire, and a manage a property that you can then apply to doing a STR in the future (if you decide you want to go that route).Start with the strategy that is the easiest, simplest, and most likely to succeed (house hacking), and then gradually build up to more advanced strategies (like STRs, BRRR's, etc.) as you gain experience.Good luck out there!

I have financed when I had the cash then used the cash when speed or condition wouldn't allow for a mortgage.