Many if not all STR policies cover the dwelling itself but may exclude liability while you have guests because the Airbnb coverage is primary in that situation.

He's forced into this situation, and to Russell's point wouldn't you rather have a paying Tennant?

I think I remember correctly that for a period of time 80% of real estate transactions involved some sort of seller financing or existing loan assumption.

I am a loan officer, if you need more detailed advice or have specific questions, feel free to ask!

So, how would you secure your interest as a wholesaler in a situation like this?

I just had clients lose a home in the Denver suburbs a competitive situation reminiscent of 2021/2022. 

Is there a way take a loan on the equity/etf you own without selling the equity?

I have my full VA loan to utilize to initiate my investment goal pursuit. 

It is true that does not apply to investment property, but what happened was that first time home buyers that did not qualify for a home loan were trying to circumvent that Dodd Frank rule by saying "oh, this is a rental property" (wink wink) and then move into it...basically creating a no-income verification loan.