I saw a similar post about 7 months ago by "Mike Romano" with a similar question, however I didn't feel like he explained the reason why he was planning to use a HML instead of a standard conventional loan in the first place.

You really have to stand out from the crowd.I didn't look at your bio or any other posts but - can you house hack an STR? 

Here's a list of forum posts on "hotels". 

All modern furnaces have <20 year life span, and that is according to HVAC technicians I've spoken with.

Originally posted by @Kyle R.

I found BP through a blog post back in 2017 and it changed my life. 

One example is that short-term rentals are more of a hospitality business then a property investment.I'm guessing there is more to your comment, but just investing in markets because they are "decently priced," may not get you closer to where you want to go. 2 of my first investment properties were very "decently priced," and had great annual % returns, only to cost me money to sell 18 years after purchasing them (no appreciation on values of rents and required fix-up to sell,, etc).  ....Although, they contributed to my education, they did not directly assist in moving me toward my goals.There are many previous posts in BP (do a search) with good blueprints of how to get clear on your goals.

Originally posted by @Jennifer Gohring:I recently moved back to the Columbus, OH area earlier this year after being in Las Vegas, NV for five years.  

Many times, a listing agent will use estimated rents for vacant units and those estimates might be for full rehabbed modern units where the existing unit is not near that.

I would post in your listing min credit score as well as min income (i.e. 2.8x rent etc).