DSCR rates and points are likely going to be competitive with the other options if you are thinking long term and don't mind slapping a 5-year prepayment penalty provision on itI think the answer to your options are clearly just model out the total cash flows and projections of each scenario and compare.

Again, that's all fine and good but the numbers have to work which is why I was hoping to speak to someone with first hand knowledge of owning a property or properties in the town without an axe to grind like the Seabrook sales people.On the issue of negative STR regulations roughly half the houses in the town are in their rental program currently so I don't see that as an issue in the future as an investor as it's baked into the town's business model and not likely to change.

We went into a project with a handyman, and after 95% of the work was done, had to pull a permit for siding with an outside company, which got the county looking at the windows, which our 'handyman' didn't do correctly.  

Consider converting one property into an STR while retaining the others as LTRs to establish a stable income base, taking into account your willingness to manage STR responsibilities, local regulations, and financial projections for each property scenario.

I have limited cash in hand that I'm able to invest...I'm not sure that the current equity in my house is enough either to use it for future investments. 

(Currently own a 4 unit rental and 8 acres planned for development in the near future).I have just received my closing disclosure and boy is it ugly.

Any contacts of a good reliable person in the area - would like to set up a relationship with them and keep them in my list of contacts for future work.  

Currently, I have 5-6 projects that require a general contractor to assemble crews and bring them to completion.

There is now, and in the future will be a huge spectrum that different agents charge you.

Examining the T-12 operating statement is necessary for this purpose, since it gives comprehensive details on previous expenditures and aids in estimating future expenditures as the new owner.Verify that there are no omissions or contradictions in the statement.