Instead I will offer a simple suggestion.  

I have the opportunity to make an offer on a property in 44104.

Most 5+ unit programs have loan mins starting around 500k. 

Do you happen to know if they lend in OR or if they don't, can you recommend another lender who might offer the 10% down second home loan product? 

Do some investigating on the OTA and see what other STR offer.

Look into trade programs offered by high-end furniture and home decor retailers, Consider commercial-grade furniture which is designed to withstand heavy use. 

Yes, it costs a little more... adjust your offers accordingly.The law is a mirage.

We had a recent bad experience with a company offering to do the whole set up. 

Landlords seem to have the upper hand these days.It might be worth checking out metroffice.com to see what kind of deals they're offering.

Quote from @Melanie Johnston: Hi @Travis Peterson.It's always best to talk to a local loan officer as they are licensed in our state and have access to options beyond what banks may offer.I will DM you lenders who have helped my BiggerPockets STR clients buy in Scottsdale and Metro Phoenix.And I would be happy to be a resource for you, so please feel free to reach out.Melanie Hi, I'm looking for a community bank or portfolio lender who can offer a vacation home loan with a 10% down payment.