It's important start looking now since because of the 180 days time limit. 

The pinetop country club is mostly full of retirees so there is a limited number of kids around. 

My knowledge is limited and I would appreciate your input. 

I currently work full-time in the medical field for the past 20 years which limits my time.My goal is to move to the Tampa Bay area to be closer to family and get away from winter with REI being full time or supplement my income.

Hi Bigger pocketsI've called two property management companies to verify references listed on an application, however they won't release ANY information to third parties. 

Mine is through US bank and has decent terms but they just lowered their limits to 85% LTV from 90%, I would guess you could find a higher limit out there somewhere. 

@Brian Garrett it does sound like a good alternative to an HML the only thing I would be curious about is if you have $100k cash  I would assume the project would need to be 100% financed because if you spent any of your own money your limit would go down $5 for every $1 you spend. 

Some lenders may verify, with no income verification, but with a higher interest rate, but this is something I need to do more research on and very much welcome any suggestions on any reputable companies I could work with.On that note, I am roughly familiar with a federally insured Title 1 loan that would even be applicable to properties one does not own!

When owners of property we manage ask how long will it take to 'turn it over' the question really translates to this:  IF the property is 'rent-ready' (showable), IF we have access, IF it priced according to market, THEN it normally takes 2--3 weeks for a vetted, fully qualified tenant applicant to sign a lease.3. 

Also easy on documentation (much easier than DTI & other income-based loans), the interest rates are better than the above short-term loans, but not as good as conventional loans (that require DTI and income etc).Most cash-outs aren't greater than 80% of the value of the property.Estimates:HML Loan - 8-14% interest only, short term loans, limited documentation.Rental Loan - 5-9% amortized, 30 year (some options for 15yr), a bit more documentation.Local Credit Unions and banks - 4-8% amortized, 30 year (some options for 15yr), documentation varies but typically requires some debt-to-income.Conventional Loans - 4-6.5% amortized, 30 year with options for 15, documentation heavy.