They and their competitors guarantee the security deposit and the rent for a monthly fee.

Six months is along time to keep up the enthusiasm but real estate investment is about longevity and capitalizing on opportunity, so when coastal STR'S knock, successful STR investors are awake to answer. 

FinancingTo calculate how much you can afford for a property, the general rule of thumb is 30% of your gross monthly income on home related expenses.

She's willing to pay a premium for the month-to-month arrangement.I've never done a month-to-month lease before and I'm worried it might be a hassle, especially since I don't know how the market will be in the winter.

I like military bases to be near by and look at what the gov’t pays for rents, which is how I set my goals for my monthly payment on the houses I buy.

Are these properties seasoned for 12 months? 

For more detailed area info, check out what @Clayton Mobley wrote a few months ago on another thread:https://www.biggerpockets.com/forums/311/topics/221342-seeking-birmingham-alabama-turnkey-advice-investors-only?

Since multifamily requires trailing data to sell, typically a minimum of 3 months, building that data during this phase can be very advantageous to position your property for a sale in the next phase, at the height of the market.Today we are arguably in a Recession phase in the majority of multifamily markets.

this can be gotten at a credit union on bank as an unsecured personal loan . some have for upto 84 months 

If you're set on timeline, up to six months out can be a reasonable lead time.