Here are a few ideas:- HELOC: depending on how much equity you have in your property, you may be able to apply for and borrow against that equity- DSCR: BP now has a find a lender link and I'm happy to recommend mine as well if you'd like; there are lenders who do loans based on the future rental value of the property- Borrow from your 401k: typically you're able to borrow up to $50k and if you have multiple 401ks, borrow from multiplesHopefully this gives you some ideas of other options to bring in some cash for your investment!

Fulls are not a good option for a STR, either do kings or queens.

This one just told me it can't be done and didn't offer any alternatives.

Probably the safest option and limit the risk involved.

You definitely have some options, if you do a more conventional second you can get very reasonable rates, maybe check in with you current bank or credit union? 

Hi William - just wanted to share an article I wrote about DSCR Multifamily Loan Options and Pros and Cons for this exact need (5-10 unit multifamily). 

An offer that "meets that need" has a chance to be accepted as that is the goal for the money they already have in their head.

Waterfront homes, particularly those with Gulf access, can command higher prices and potentially higher returns on investment.3) Tourism and Vacation Rentals: Cape Coral's proximity to popular tourist destinations like Fort Myers Beach and Sanibel Island makes it attractive for vacation rentals, especially during peak tourist seasons.4) Affordability: Compared to other coastal areas in Florida, Cape Coral offers relatively affordable real estate options.

Here’s how you can simplify the process and achieve your goals, while also exploring financing options that could benefit both Cousin A and Cousin B.Tenants in Common Agreement: While Cousin A and Cousin B will technically need to report rental income and expenses according to their ownership shares, a well-structured Tenants in Common (TIC) agreement can outline how they handle income and expenses.

The other option is that you do everything yourself.