HI Shana,It really comes down to what your long term goal on investing real estate.

Right now I am trying to stress to everyone that they need to be able to afford a property based on the long term rental potential even if the plan is to use it as a STR.

The advantages are twofold - you secure favorable financing terms for your primary residence, and when you're ready to move on to the next property, you have the option to turn your initial purchase into a lucrative investment.

Creative means terms vs paying cash!

How do I navigate the processes and find the right approach to adopt for achieving my goal of generating an income and preserving wealth in the long term.

Prepayment penalties- usually 1-5 year terms.

Long term a an investor.

Make sure you do your due diligence before getting any kind of short term debt.

I am looking to acquire 500k Short Term Rentals in PA and FL.I'm looking to be able to make the smallest down payment possible.

We're based in Orlando, manage long-term rentals 1-80 units, and own/manage 48 units ourselves, so we know what it's like to be an owner and a manager.