Even if you are actively operating as an STR the lender will look to tax returns for income, so if it has been less than a year they will still go on LTR income.You need to factor in that your lender is going to underwrite any loan based on LTR income only. 

In a situation like that I think you are doing the correct thing in billing back the tenant because the utility is based on usage and not a flat fee that you can bake into the rent price.

Also, based on the need for capital, will you be operating the deal based on your experience?

Based on the information you gave, no one can give a decent price, but sure $100k might cover all that....

I have multiple sales closing next month, but have a situation where Im cash strapped and personally need $5k for less than $30 days.Does anyone do these type of loans not based on credit and fund fast?

I would call it simply a strategy based on luck.

My marketing efforts have built a network of consistant referral base for people interested living in a community environment.

Hey Ashely, I highly recommend Felix Montanez with Rocket Title based out of Tampa.

After calculating everything, I found that in the first year cash flow would be cash flow positive by ~$250-$300 based on the expenses provided.- 20% down, 7.5% rateI question if there are things I'm overlooking with this being potentially my first investment property.

Based on my initial research, I'm looking at the 21213 zip code but I'm open to others (no D class neighborhoods though).