Now there is a whole array of ways this could be done, I'm not gonna run down that rabbit hold but fact is doing it all 100% on your capital alone is the hardest longest road.

Here you will get a vast array of perspectives.

I did talk with one local Hard money lender a few years ago, but even at that time, I realized he was taking the vast majority of the value and leaving me with not much.

The former coming with a huge array of other issues and the latter being exactly why you don't focus on a spreadsheet for this.What happens when rent goes down and your PITI was measured against it?

What has been learned is that a STR has vastly higher expenses, especially in home insurance, and more moving parts than a LTR.

Is there anyone on this site you think is smarter than you, or are you just gracing us with your vast intellect out of the goodness of your heart? 

@Taria BuchananYou have come to the right place to connect with the wide array of real estate professionals and investors.

@Tom OrmandYou have come to the right place to connect with the wide array of real estate professionals and investors.

California is infested with vast numbers of bums, but we saw zero, yes zero, in Vilnius, the Capital of Lithuania, and just three drunks at the train station in Rome and one guy with a tent near a castle.  

We vastly prefer brick-veneer properties when we can get them, slate roofs always a plus, the least major upgrading and modification on the original build possible.