I'd like to understand which factors are weighed most heavily in the underwriting stage so I can try to get approved.

@Rob Lee & @Ryan Kelly thank you both for your input.I'm leaning heavily toward short-term simply because it's something I'm more excited about, and the prospect of using it ourselves now and again is huge.

It is an untapped market that relies heavily on tourism so their STR rules are minimal.

I am giving up my 3.5% interest rate and not to mention it cashflows, for a multifamily in coastal north county san diego that is heavily negative initially, for the better appreciation of value and rent in the long term. 

One of the two has credit around 500 and is very protective of sharing information (documents come heavily redacted).

We are looking heavily at partnering with other wholesalers and other real estate professional and agents. 

They started heavily promoting 30+ day stays earlier this year.

He pointed out specifically that the timing of when you bought and how you financed it will play heavily into what you will personally see in your results. 

It depends heavily on the location.

One thing I would be careful with any primary owned properties since this is heavily regulated, that would be a very risky thing to lend on.