Even if you are actively operating as an STR the lender will look to tax returns for income, so if it has been less than a year they will still go on LTR income.You need to factor in that your lender is going to underwrite any loan based on LTR income only. 

To make money you have to get a good loan and leverage, appreciation hopefully, HOA can't control and keep it rented.   

An MLS is useful in the US and Canada because property are valued in function of comparables as determined by the MLS and lenders also use these values to determine the LTVs for their mortgage loans.

You would buy with FHA loan -> refinance to conventional, purchase with FHA again, rinse and repeat...is this allow,if change to a conventional would my month cost increase?

I understand there are specific methods like cash out refinancing, HELOCS, and equity loans. 

For our previous investment properties we used a home equity loan and cash to buy and paid it off in a few years. 

ANCHOR LOANS – I usually do not post on this forum.

Purchase price: $165,900 Cash invested: $16,000My first house that I purchased with the VA loan.

In other word, if seller doesn't want to pay buyer agent and the offer is coming using FHA/VA loan, it would be automatically rejected by seller.What a mess....

But, depending on loan to value and credit should be able to do much better then 10.24%.And the 10 number you mention is only for conventional loans.