If it is such a great deal, and owner financing is not an option, your best bet is to bring in an investor to cover the down payment and reserves.

Looks like there's some good possibility of a little above-average appreciation there like you said, but I probably wouldn't bet on that. 

Scottsdale and surrounding areas seem like my best bet but i'm uncertain about how strict those areas are on STRs.

We are obviously very spoiled with the gain we have built up in this property, we were very lucky, at the right place at the right time, gambled spending a lot of savings to make this happen and have put a lot of physical sweat equity in over the 4 years.

Anything else I am willing to bet someone that makes money from selling lists or providing DMM services is behind it all whispering in your ear that DMM is OK!

**I'd push hard on the first option: I'd bet my annual income that if you met with 3-4 commercial lenders that you would find one that meets your needs.

I have found some with rs485 or straight mechanical meters etc. but I'm looking to submeter the attached apartment at my SFH and be able to access usage data over my LAN to keep from physically reading the meter every month. 

Fix and flip is basically project management, assuming your not a contractor doing the physical work.

Do this a commercial loan and I'd bet you find a bank within your first few calls.

Here's how I do my due diligence:1) Portfolio matching: (takes 30 seconds per deal)a) Have an educated opinion on where you think we are in the real estate cycles (financial and physical market cycles)b) Then only then pick the strategies, capital stack, and specialized asset subclasses that make sense for that opinion.