Actually, that is just another issue that I am working on.

Get a local referral from someone who has actually used and closed with a specific HML.

We actually have the option to STR on a few of our properties and decline to do so because we make more money than an LTR on our medium-term rental with a lot less work than an STR.The pros to medium-term rentals: high occupancy rate, no local regulation issues if you are 30+ days, elevated rents, more and more people are staying longer, often the midterm rental tenant pool is professional. 

For a $500,000 property, the range might be $75,000 to $150,000 in potential tax savings.It's important to note that these are general estimates, and the actual savings will depend on the specific details of the property and the results of the cost segregation study.

OG investors will tell you stories about how they bought properties, fixed them and when they did a refinance they actually put more money into their pocket.

They don't need to give you a card, and this will actually help create a score for you. 

In terms of the actual loan structure, it depends.

Our plan currently is to get a piece of unrestricted land with utilities on it and put a tiny home on it and Airbnb it.

No, don't use the average principle paydown, use the actual amounts per the payment schedule.

I have no experience in either field actually (owning a business or executing real estate deals).