We run a debt fund and focus on short-term mezzanine funding mainly. 

So if you can target a little nicer property you can enjoy better interest rates for your long term hold. 

I've found Kiavi a bit better for the short term fix & flip (lower fees) and LendingOne a bit better for the 30 year DSCR (lower rate). 

If you mean Manufactured you can go Fannie 3% down either way it still only takes 21-28 days to close a purchase.Feel free to reach out if you have any questions or need more details I enjoy helping and talking REI!

If they had required landlord history to use rental income above just offsetting the payment and rental income resulted in qualifying dti I guess, but that would not be a common scenario when using long term rental income.

Depends on your long term outlook.

Always get a full inspection report so you can see the details and the ins and outs of the place. 

I am on the same boat and looking for a LTR (long term rental) in Hagerstown with steady cash flow.

So rather than selling $10-15k of  investments, couldn’t I get a short term loan to use to pay bank back?

If you're open to furnishing and giving mid or short term renting a shot, that makes it easier to get a property to pencil in year 1.