While finding a lender who will provide 100% LTV with fixed interest for 30 years may be difficult, there are other financing options you could consider, such as creative financing, joint venturing, or raising private capital.

My wife and I jointly own a property used as an STR in Florida under our personal names. 

Most leases include a "joint and several" clause that says each individually is 100% responsible for the terms.

I wholesale properties in a few different markets including Las Vegas and I'm always looking for other wholesalers to joint venture with and it doesn't really matter to me if you are new or not.

Not all realtors understand investing in RE and if you may be able to joint venture with one and know the property will be looked after by someone local that has vested intrest. 

Utilities are Metered Jointly and the current landlord pays for water,sewer,electric 

For some reason, people don’t do the same kind of due diligence with a joint venture or two person partnership as they do with a fund investment.

- Get the down payment funds in a joint account with both names on it, so she can use it without it being a prohibited "down payment gift" from her spouse (that's stupid, I know, it is what it is).

Some banks have good online banking with cheap wire transfer or ACH.

If my wife and I file taxes jointly and make over $150,000, can we deduct the depreciation value of our rentals?