I have a zestimate for $2,780 payment but instead I'm paying $3,798!

Cosigner had good credit, but we asked for income info - so, we could pursue them for nonpayment and maybe garnish wages if needed.

It can serve two purposes, provide a roof over your head and still provide some income to OFFSET your LARGE MORTGAGE payment, since you are considering putting 5% down.  

(Heck, even property-rights-driven Colorado Springs limited STR investment properties.)But on Aug. 3, Arvada city council voted to allow Airbnb in the city limits in both your primary residence and in non-owner occupied rentals.

Still no economy to support the increase in home prices, so needless to say we got hit pretty hard in the Crash...Other drawback to the area since there is a shortage of Economy up here, would be the Commute time up and down the Cajon Pass, 4000' elevation climb in just a few miles, " the Pass" has been know to ruin a brand new car before you are even done paying it off, so figure in a new car payment if you are thinking about commuting to work from here...  

My criteria are:  An area I want to enjoy with my familyNo pending or or existing STR restrictions or legislation in processPotential occupancy rates > 150 days per year Net cash flow between -5k to $5k per yearFamily friendly destinations, non Bachelor party destinations I wrote a BP blog article also that touches on some of this as well that you might find interesting.  

There are some non negotiables that I live by.  1. 

I would love to find a software to help automate the following tasks, there are lots of options, most at $40/month, would prefer cheaper but will probably pay this for the best software that can best handle:- creating a direct booking website from my Airbnb listing, I know some websites have an auto-builder which would be preferred- handling automated messaging- handling calendar and payments, including add-ons- sending agreements and collecting and returning depositsI am overwhelmed with the options and suffering analysis paralysis. 

This program offers funding up to 400K with a 660 Fico, and at least 27K in yearly W-2 income.No down payment, no Collateral, no proof of funds, no closing costs.

If you cannot qualify conventionally for a HELCO or HELOAN you could try a non-QM second mortgage.