Depends on the lender and what risk factors they perceive.You state that financing will be 75% ltv, 5-10 yr fixed, 25 yr am.

These companies specialize in catering to companies that don't own a significant amount of notes.FCINote Servicing CompanyMadison Management

LY 90% of our business was with out of state investors, and about half of that was in STRs.

We also sublet our own personal home that we own. 

Partner Driven financed the Springdale Forrest Circle deal using its own capital, covering the $93,000 purchase price and $993 renovation costs.

Hello, I am a student-athlete at Ball State University and new to the real estate investing world.

Who owns a STR or MTR in the Fort Collins, Longmont, Estes Park areas?

This is your stated goal but you describe nothing that would scale your investments in any way but down. 

Most of the property owners are older and have owned in the town forever.

Thank you so much for that information I really appreciate the help I was told I would have to wait until the property has its own tax number I wouldn't be able to split the parcel until 2025 because no construction loan wants to be a second lean on a property is that true