People will always have issue with shared amenities in a short term rental house.

@Brendan M Hornung what's the long term goal of this person?

Because it shouldn’t require Wi-Fi to let people into the house, so as long as the lock is letting people in, it’s mostly OK to deal withBottom line: in the freezing cold weather, is it simply that you can’t remotely connect for a time period?

If you have a BAD tenant experience on this property as a rental and lose several months of rent and incur substantial tenant damage that is all coming out of pocket whereas if you had even a handful of rentals the performing rentals and the monies budgeted for capex/maintenance/vacancy will carry that sort of loss.

Can they prove how long it takes to rent a vacant property?

Considering their LTV is at market or debatably below market (depending on the asset), if the interest rate or loan terms aren't advantageous, I'd also suggest getting quotes from other lenders.Since you are located in upstate NY, I'd look for local banks.

I am looking to expand my portfolio whether in long-term rentals, STRs, flips, etc with a partner in order to better utilize funding, etc.

Nicholas, as long as you live in one of the units for at least one year, then you should qualify for an FHA loan.

As long as everything goes according to plan, I'll be closing on that next week.

The software interface isn't terribly efficient, but it performs its functions just fine)That said, I think there are some locks that have a wifi function and no fee, BUT they require interfacing with a smart hub - and the cost of setting that up combined with the amount of tech knowledge needed/potential for things to go wrong made me give them a pass.