@Kareem Hammad With that amount of a down payment, I'd concur with @Julia Lyrberg suggestion about house hacking and expand from there. 

If you have time, I'd suggest you travel through Southern Spain and then Southern Italy and then you tell us if it's similar.

That ship has sailed and it was never at the discount you're suggesting. 

Starting with the Right PropertyGiven that this is your first STR and you’re planning to manage remotely, I’d suggest focusing on a market with a strong local infrastructure for short-term rentals—like Panama City Beach or Destin.

However, when seeking a non-recourse lender, I suggest starting by reaching out to lenders who specialize in working with self-directed IRAs, as they’re more likely to understand the requirements.

Then assign points and notify the applicants of their standing?

My only suggestion regarding Junior ADU's is to make sure you understand the law and what constitutes a "Junior" ADU.

If you aren't familiar with Baltimore, I would suggest it's a hard no and say that you are trying too hard to make cash flow happen talking Baltimore and tax liens and auctions.

What strategy would you suggest I follow instead?

Below are some key questions I would suggest asking.Are you a direct lender?