If you find one let me know too :) 

No experience with it, but I know there are franchises like Motto Mortgage, that provide mortgage in a box essentially, or check bizbuysell and see if there is an existing firm available for sale.

This criteria is for 1-4 and 5-8 unit programs.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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I don't know if you're aware but luxury hotel rooms are often super cheap in that country so I'm not sure how you'd compete and make any decent income.

If you need references for either of them in San Diego, let me know.

The answer is of course no one here knows until the future.

I will probably only be budgeting to use up to $600k to be safe, which I know will be tight depending on what location is selected.

None were accepted yet, so learned a ton and happy to walk away from a few deals that weren't going to give me the return I wanted, or had big issues (e.g. septic - I decided to stay away from septic if at all possible)*Taking the time to encourage a friend who knows nothing at all about REI to take his first steps.

Instagram lets people know what I do also so that I am a resource for others who need real estate help, maybe selling their house.

In future years’ budgets, the association should consider budgeting for an Operating Contingency (funds not earmarked for any specific expense) or should consider creating a line item specifically to fund Prior Year Equity in order to bring the balance into the 10-20% range.If the board doesn't know what it is doing financially then they need a management company that does along with an accountant that understands how HOA's work.