If that's an issue then that may get the sellers to do what you want. 

Every time I rent to individuals less than that there are delinquent payment issues.

I just spoke with Steve Lansbury VP of underwriting at Freddie Mac last Thursday at the MFE conference in Vegas and he said that they no longer have issues with STRs as long as it's under 10% of total units and that they would be willing to discuss it on a case by case basis. 

As long as you're doing longterm leases and you vett tenants well, HOA shouldn't be an issue.

If you're just starting and don't have time to deal with a lot of potential issues, turnkey is a great way to get the ball rolling.

Property purchased late 2018, so seasoning is not an issue. yes renovations were done sone time ago.The lender is involved in BP, so I’ll leave it at that.

Some people say multi families are harder to sell than single family houses because the buyer pool isn’t as big but I keep my properties in tip top condition and I just don’t see that as being an issue.

sorry to hear about the issues with the credit. there are lender that can get this done for you.

The way I got around it was I had capital that I could use to payoff the load and then the bank issued a new loan for the BRRRR amount, which I then got my capital back plus the additional capital based on new ARV.  

No pets means no pets.I usually explain to the tenants that it is an insurance issue.