However, I'm a seasoned investor and business man and have learnt over the years to be very skeptical of people with grand visions but not much of a track record, but great presentations.

It may not be 'needed' for only a few properties but it will be helpful come tax season. 

If you later decide to switch to a long-term rental, larger properties like five-bedroom houses have a strong seasonal component.

Seasonally appropriate pricing is important. 

Our STR is in a vacation town 40 min from us - we are very familiar with the area.High season is all summer, then slows way down.Thoughts?

Because the loan is commercial with a smaller loan amount you'd likely see a rate from the mid 8s to the mid low 11s which covers a broad spectrum of programs.There are also some wholesale lenders that do cash out no seasoning loans.

I know most seasoned investors might not be interested in this but this might help some new investors just starting out who are looking to see what a deal looks like in this model.

Golf courses and Ski Hills have the same problem (at least here) - both are seasonal businesses and weather dependent (Ski Hills in particular).

Hopefully a more seasoned notes investor will see this and post something for you.

also have another tenant moving in Feb.I look as Super Bowl and/or first 60 degree day in Feb as the break in the winter/snow season.