If the tenant's concern is that their credit score would take a short-term hit from the credit report, then I think it is a legit concern (if their credit is slightly less than what it would be when they're trying to apply for new rentals, for example).

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

Taxes 10k HOA is 9k The current owner never did short-term rentals.

Purchase price: $785,000 Cash invested: $156,000 Short term vacation rental in Panama City Beach.

In the short term, it will be more painful though.Personally, I'm not a fan of enabling bad tenant behavior and in life you get what you tolerate.

Overcoming Common Financing HurdlesMortgage brokers excel at tackling challenges that often derail new investors:Low Down Payments: Brokers can find lenders offering low or no-down-payment loans, ideal for new investors with limited capital.Complex Income Streams: If you’re self-employed or have variable income, brokers can identify lenders that accept alternative documentation.Competitive Rates: Brokers have the leverage to negotiate better rates and fees, saving you thousands over the life of your loan.Pro Tip: Communicate your investment goals clearly with your broker so they can tailor their search to your needs, whether it’s a short-term fix-and-flip loan or a long-term rental property mortgage.3.

I doubt if you'll have any issue with your hold period since it is all about your intent anyway.

-Focusing on markets with solid job growth and population trends.Columbus has been great for me, but there are plenty of solid markets depending on your goals (cash flow vs appreciation, short vs long-term, etc.).

Quote from @Hansen Tong: Hi Everyone looking for a CPA in CA that understands cost segregation, offsetting of w2 income through active short term rental partcipation etc. 

Short of that, you may target employees of Canada-based companies with a presence in KC (this is easy to find on LinkedIn).