Companies like Amazon explain why.Yes affordable housing is in very short supply.

Some banks are more friendly toward short-term rentals.

So I did this - and there is no legal minimum, but banks may have a minimum in the contract for the loan.

A lot of local families (about 3,000) are looking for housing in Curacao (Caribbean island) and banks are happy to provide mortgages right now, but there is no one building any middle class family houses.

Or should I get started with a large bank initially?

The math gets pretty complicated to explain in paragraph form when I start talking about saved rent or saved vs a mortgage on another home, so I went simple here to assess if the base unit is a good plan if I should decide to move out before the 30 years are up. 

It was a bank sale and I was in the right place at the right time.

Property Preservation Companies - these are companies which secure preforeclosure/foreclosed properties for banks.

Now, I would base my returns on $75,000 down payment ($55,000 to the bank and $20,000 in deferred maintenance).

@Chanoch Moller, Finding financing independent of banks or different lenders is very difficult to accomplish.