You are the owner if you try to borrow with a LLC or if you borrow in your personal name.

Everybody gets started a little different than the next person.

I personally have mine through USAA.  

Many times, people just set the property up and list it online...some even avoid Airbnb if they know the city/county is watching the platform...and then quietly run a STR in a very illegal area.

These forums are not for personal attacks mentioning someone education as you feel its the only qualification to be an investor….

I don't mean the following to sound discouraging, but I would encourage you to be extremely cautious and conservative before buying a random property in Dayton because someone - a property manager, an agent, the seller of the property, some random person on BP - tells you it's a 'great deal,' and you will 'cash flow.'  

How would you explain these buyers terms to the seller. ok. 30 year amortization means the monthly payments are based on a 30 year loan, but at year 20 whatever the balance is they pay it off then (balloon payment)Personally I would NOT accept any of these offers.

I have no idea how she got my personal email address:"Hi I am at xxxxx Tucson, AZ.  

Interesting, you do the in person follow up after they agree to terms? 

Feel free to connect, i have a good free pdf guide i found online