(different loans have different seasoning periods for your funds and different guidelines on allowing gifted funds - something to consider) To determine closing costs you can call a local title company in your chosen area and ask them for their fee sheet and your lender should be able to provide you with any other fees associated with the loan.

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And I agree the vast majority of larger investors started with a nice amount of cash or very robust professional type salary.

On the other hand, refinancing would provide a fixed rate mortgage that is lower in interest and has less concerns for paying back in the short term as long as the property still cash flows.

If it's a very new lease, you'd provide copies of the security deposit and first month's rent with proof of deposit.   

Put the ball in their court (pun intended) and provide the facts to the judge.

Hi Sasha,Can you provide some more information about whereabouts your property is?

I really enjoy running the STR, providing great value for our guests and ensuring they have an excellent time.

Use a policy's cash value to provide hard money loans to other investors, earning attractive returns while maintaining control over your assets.

Just wanted to provide a different perspective, happy to chat more.