Which MN is a deed sale state, totally different from liens. 

If you're asking for free advice from a stranger on the internet, I'd encourage you to find a different STR market unless you want to have a place in Kissimmee for personal use.

The real estate market is very different in Europe.

I already own my primary home.

I know there is a company that offers different rentals to hosts for their STR, but the name isn't coming right now.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

When you say long term game, I will keep the gas stations (it will take long to completely wipe out gas phase) with a potential to stream into multiple different source of income.

As a primary residence you can put less money down, leaving more reserves to cover mortgage payments, renovations and to save up for your next down-payment! 

I am trying to reconcile actual material spend per category vs. what was initially allocated, and it's getting cumbersome going through 100s of line items.If there is a different way to go about material budget reconciliation, happy to consider that as well

People think that's even different for investors...the fact is, it isn't.