@Christa S Rickard Not saying that everyone that responded to your post is incorrect, but...So, capitalization is relative...as are all financial calculations associated with analyzing property.

I took out a small loan from family for a small venture only because my money was tied up but if it went south I had more then enough to cover it in by way of selling other investments so there was no cloud hanging over my head that if I failed, it would have been terrible.

Hi welcome, I work with a associate if you like we could reach out to you this post and assist you in any questions you may have.

My STR is in a condo complex that is having trouble getting owners to fill out the association application and lease agreements.

Sounds like your heads in the right place, but your pocketbook is somewhere else.Originally posted by @Jonathan Escobar:So I'm currently not working.

I agree with the comments above that point out that any lender who would do a loan like this (not all will) is likely to charge a higher rate to compensate for the higher risk associated with it being an unsecured loan. 

Glad to hear you are doing your research before diving in head first!

Lastly, one thing you can do in all your units is install low-flow toilets and shower heads.

I work part time as a Head Lifeguard at Carpenter rec center, so not a lot of income,,, like 12k a year if I remember from last year.  

Also, the PA Association of Realtors has a standard form for it, and that form includes phrasing that requires the seller to present the offer which triggered the escalation.