Hello Group I have a short term rental in the Santa Cruz area that I am looking to get homeowner's insurance on. 

I need to perform a cost seg study on my short term rental which was newly constructed during 2023.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Depending on qualifying income you can go up to 90% LTV or most attractive terms will be 80% of the value or below. 

An investor told me he is only interested in properties that could return 10% (10% rule) as a long term rental.

Some of my key takeaways were: 1. have a detailed contract outlining the terms, timelines, and expenses associated with the project.

Together, we negotiated favorable terms with the seller, ensuring a swift and beneficial transaction.

Whether you should rent vacation rental (short term) or long term depends on your goals.

In addition to the offer terms, a savvy seller will want you to prove your have ample ability to pay both notes (your existing home and the seller's note(s)).

Got into REI almost by accident and did what you said - shopped for the best terms to make each property perform the best.I did at one point try to consolidate, but any institution I found that didn’t sell mortgages had the worst terms: higher rates and typically ARMs, which I’m grateful for not taking because my rates would be crushing me now.I’ll look into other versions of some of the things you mention like cross colatteral and construction loan but not sure how that would work considering I don’t actually have any construction needs.