I have an amazing investor lender that does DSCR, hard money, no money down fix and flip, and traditional loans as well. 

A week later the neighbor came to me again with a bill of $1075 for detailing telling mr he doesn't know who is paying but he wants the money this week!

However, that's cheaper than hard money and it got me in the game.

Those numbers would be ok, but do you have money for the downpayment, closing costs, capital expenditures, 15k for reserves?

But I also realized she has tried to get her rent reduced twice before this was even ans issue which makes me feel like it’s a money thing also.

(Fortunately, we were insured)Emergency Fund: Always have extra cash for unexpected events.Tenant Support: Keep good communication and support your tenants through tough times.Final ThoughtsThis July 4th was a disaster, but it’s also a stark reminder of the unpredictable nature of real estate investing.

They are fishing.The next door neighbor of one of my houses put my house as a listing and booked it to a couple from out of town for a couple of nights.The perp found out when it was available, didn't book and found a party to give them money "on the side" to "save the fees" and booked it to them without me knowing.

Friends and family is where I started looking for private money, as there was already a trust factor there.

On a short term hard money loan yes. 65% CLTV max 

In fact on average we consistently support a dozen or so coastal STR investors annually acquire and launch five star AirBnB's. - Pacific Wonderland.