For the acquisition I used my own funds, and for the rest I was able to secure a construction loan with the folks at BackFlip.

For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, saying, 'This person began to build and wasn't able to finish.  

well, I guess nobody knows where to find him and the one person who is reselling his materials is terrible at marketing and doesn't respond to email questions.

DSCR with 20% down, and our own cash to fund the rehab.

If you know it is allowed in the area you are looking, but have seen one person have a problem, I wouldn't make a big change to my thinking based on a single incident.I haven't heard of anyone having the same issue.

@Brant Crandall..I'm not the OP, but you cannot use SBA funds for real estate investing. 

I netted enough to make a decent profit AND my guests and I got personalized attention that is critical to STR success.

This is why a machine cannot calculate for the irrationality of a person buying a house over value because they like the cute garden. 

I personally am a STR manager and know two STR managers in AZ (websites below) and happy to answer question about the process or what to look for in a good manager if you'd like!

I loved Zelle, but since we switched to a business account, they will no longer let us use Zelle since that's only for personal accounts.