When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.

Down payment should be about the same (20% on a buy-and-hold) but you'll see an additional $3-$6k on average in CC and the ability to keep it off of your DTI/Personal credit along with hopefully no more hard inquiries on your credit (many lenders will accept/perform a soft pull).

Instead, you could explore pulling equity out through a home equity line of credit (HELOC) or a cash-out refinance.

And, I think most women would choose a midwife that has gone through pregnancy.Like the OBGYN situation, there is a lot a CPA may not know about the rental business from debiting and crediting some journals and filling out line 242 on some Turbo Tax input form.And, understanding the operating details of the rental business are just as different from preparing a tax return as being pregnant is from delivering a baby. 

Based on your numbers, and assuming you have a credit score high enough and have never filed for BK, you shouldn't have an issue getting approved for an HML to buy/rehab the property that I would estimate at about $370k-$375k (which includes 100% of the rehab costs).

Several options you can explore to get the down payment capital: Solo401k; HELOC on personal residence or from equity of the SFR; Cash Value Life Insurance Policy; Business Credit; Private Lenders, to name a few.

Now I aim for bigger and better, I want to buy a home FOR airbnb but I still want to simultaneously still do airbnb arbitrage, the benefits are just too great at the moment and to be honest a lot of the money profit wise I just have been utilizing to put back into the business and further expanding, paying off business line of credit and such.

I am very excited and nervous to start my investing journey and wanted to come onto the forums to ask for any tips or guidance before I jump in. 

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

My W2 income is very high (+$500k), excellent credit, but I hate my job and I want to leave within a year or two.