If you want them to work on a holiday, you are probably getting premium rents on those days and you should pay them extra.

Is this something you should add into your property analysis as revenue you won't be taking home, or do people use Airbnb service fees to account for that extra amount?

Each way you're making money on the property, it just depends upon the type of use you can envision.

Conventional loans will follow the same guidelines, here is a good excerpt:https://selling-guide.fanniemae.com/sel/b2-1.3-03/cash-out-r...DSCR loans have flexible seasoning, which could allow you to put the money to use quicker, outweighing some negatives.

As a passive investor getting a mentor is a cost/benefit decision: money for training, experience, access, and therefore speed. 

I would check out Banco Popular or a local hard money lender. 

I currently have tenants who pay through Zelle and with money orders.

Investors can make money in any phase of the real estate cycle But just need to know which strategies to apply in the different phases.Cheers. 

It is a deal breaker, but I do not want to loose earnest money.

But how for newbies like me with no portfolio or track records I spent most of my money on education  now I'm between jobs so it's kind of hard for me to do both.