If you have the deed to the property titled into your name, and you have no mortgage on the property, then you can get a loan against the property from a Private Lender or possibly a bank.  

There is simply no way to know if the private utilities are working - no matter who you ask at the government, no matter what any 'expert' says.  

While I'm intrigued by the idea of DSCR financing and hard money lenders, I feel they might be a bit too pricey and risky for me at this point.That said, I'm excited about the prospect of partnering with someone on a deal, whether it's as a minority partner bringing value through sourcing deals or as an equal partner sharing the workload.If you're on the lookout for a young, motivated investor to collaborate with on future opportunities, I'd love to chat.

There are plenty of hard money lenders who will finance 100% of your purchase price and 100% of the rehab if you buy at the right number.

I also play beach volleyball at a private beach court in the summer as well. 

Check Airdna statistics they are usually a good guide and the benchmark that most STR lenders use to determine DSCR!

Have any of you recently collaborated with a lender who offers such terms?

If the property is located in a vacation or coastal zone typically lenders have fairly low barriers to what constitutes a second home.

Consider becoming a lender yourself! 

For 30Y loans made to an LLC - 15%-25% down minimum depending on what type of lender you are using.