I would feel more confident with their terms if I was a seasoned multi-family investor and if I had closed on a deal with the lender before... but it's all new.

Our first ski season, in 2021-2022, rentals and sales reached their highest levels, out performing all previous years.

Our first ski season, in 2021-2022, rentals and sales reached their highest levels, out performing all previous years.

I realize the opportunity cost of not having renters in peak season and am simply factoring myself in as a tenant.  

The accounting/bookkeeping industry is in the "second tax season" of the year.

This will take Focus, Consistency, and the Mindset that will not take No for an Answer.Many that are here at BiggerPockets are Seasoned Professionals, and then there is another large group of Newcomers and Novices like myself and my wife.With that being said, there is a Gap that needs to be Bridged in order to make the right connections, do what it takes the first time as efficient and professional as possible, to be further considered a viable asset to the partners andconnections that are made. 

I spoke with different companies and it seems to be all over the place with requirements on credit, seasoning, rented or not rented, min loan value, and percentage.

@Jephte Augustin STR typically have fluctuating vacancies depending on season.

The other option is picking up enough properties to max out my original benefit before I look into the IRRRL, only issue there is the 1 year seasoning period.

That would provide the seller cash from the property plus the 25% down payment from your buyer, then he rehabs it and can then refi again after the seasoning period (getting the seller out completely).