This eliminates the requirement for a new down payment since you are refinancing the existing debt.Lenders typically require:A copy of the owner-financing agreement.Proof of on-time payments (6–12 months).What to Do:Find lenders that offer rate-and-term refinancing for owner-financed properties (portfolio lenders and DSCR lenders often do this).Maintain a clean payment history.” 

I'm keen to connect with fellow STR owners in the area to gather insights on the ease of finding cleaning services and associated running costs.

Clean money right? 

Most of my renters choose #1 because it provides a clean break.I document everything and I don't accept the early termination notice or start the clock until they pay the termination fee. 

Sewer Cabling/Drain Cleaning: When there's a blockage, usually paid by the owner unless the tenant caused it.

If you spend it now, you lose your leverage for the rest of the lease, and you'll have nothing to handle unpaid rent, cleaning, or repairs after termination.You are starting down a dangerous path.

Constantly juggling guest messages, cleaning schedules, and last-minute bookings can turn the dream of passive income into a daily grind.But with the right automation tools, STR management can be not only hands-off but also more profitable.

You can try to research to make sure the utilities are there for sewer, water, electric, etc. 

Most experienced people are limited by deal flow, so you offering to bring them deals could be a huge value add to them.And while you are working to meet investors and source deals, I would be doing everything to clean up your credit.  

I got an address for it, cleared some land and hooked up electric.