And the cycle continues until you have spent thousands of dollars for information that you could get from the local library or Biggerpockets for free.

The median rent is projected to continue its slight upward trend, reflecting the broader housing market dynamics​​.Key InsightsPrice Growth: Anticipated 9.3% increase in home prices over the next year.Inventory Increase: Slow rise in inventory levels, still favoring sellers.Buyer Demand: Strong out-of-state interest and local job growth driving demand.Mortgage Rates: Expected stabilization, potentially easing affordability issues.Rental Market: Stable with slight monthly rent increases.Overall, the Birmingham real estate market is poised for continued growth, with rising property values, strong demand, and improving inventory levels.

If you like the house and the area and want to live there and its habitable, go ahead and try to get a plain vanilla conventional loan from the local credit union and mortgage broker. 

I am trying to reach out to local bank to see if they can give any options. 

Some examples of strategies and mortgage options that can enhance investment are:- Check with a local credit union to join.

Additionally, Wilkes-Barre Property Management is well-reviewed and known for their professionalism and expertise in the local market.

You would need to document your hours along with the hours of anyone else.Do you plan to pay this 'co-host'.If you list that as an expense on the return it would likely turn as a flag in the event that you get audited.Best of luck.

I am a local broker and vacation rental manager here on the Island. 16 years here on the Island only.

If you have the credit you say you have, getting a unsecured line of credit will be no problem at a local bank, and will be a lot cheaper.