I personally reserve 15% of my rent per month for maintenance, capex, and vacancy.

Salt Lake (also Zions) Navy Federal 80% LTV LONG draw period of 20 years, and 20 year repaymentNevada State Bank, in first positionNorway Savings Bank, MaineOmaha MortgageOne Nevada Credit UnionOregonians CU - ORPenFed - StoppedPeoples Bank of NCPioneer Bank, MNPNC Bank on primary and secondary (2nd homes) must be in personal name and 50% DTI is required.PSECU up to 80% Quorum Federal Credit Union 80% LTV, owned by LLC is OK.

The drop leaf table folds up for a third person or move it out for a 4th.

I've also filed my personal 2023 tax returns and have those available with the STR income included.

 Once a person lets earnest money  go hard, they become emotionally attached.If you find yourself in a situation, where there was something majorly different than what you realized, then it is my firm opinion that it is best to let the seller have your earnest money and take stage left.Remember, no deal is better than a bad deal.No, I have not always been the master of that particular principal.

Personally I would sell and take your losses and look to invest elsewhere.

I haven't used Investor Carrot personally and know many people are happy with it.

Better pricing if they also insured your personal home.

Which market to lend in, that states foreclosure and usury laws, do you have trustworthy boots on the ground there, and can you handle a default situation if and when it happens? 

In my state it's city and not county that handles that..