An upfront payment to a lender is a loud red flag, and I agree with everyone here that you should run away, fast. 

Non deductible, Better Proximity securing loans) "ROIsoonest months"        Unknown*  “Cheapest”. 2nd. 3rd     Unknown* Deals, Off Market, brokerage, government, 4thJudicial, Move to USA 1031Tenant Management due diligence   Unknown*Previous landlords Credit score,eviction record, income to debt between 40 and 60%,hours at home,Pets, poor character appearance Ie tattoos,drugs,crime,personality,dirty car.Value Add focal points          Unknown*Raise the rent,Rehab, maximize rooming, section 8, Reducing management “general”Rehab etiquette       Unknown*compartmentalizations & entry,Colours, Lighting, Fixtures & Amenities, floor, bathroom cheaper / kitchens, fixed stylization.

We have a city near Denver (Arvada) that allows for non-owner occupied STRs but limits the number of nights you can rent to 240/year as a short-term rental.

Do accountants geared towards RE investors even want to handle non RE accounting needs? 

As where a traditional investment home can be worth a lot more money which requires a higher down payment etc. 

@Alex Weslingso actually I'm planning to move and live there since one of the tenants moved out so I'll go and live there so one of the properties will be only 5% down payment the other property is just 20%.

All rents go back into SDIRA , totally non taxable event.

Notably, short-term rentals are categorized as non-residential properties.

You may have seen it already - but if not ee this the following change for 5% down-payments beginning in November - which is a game changer for those in this exact situation.Fee free to reach out with any connections on the legal side.Good luck!

You can also do a house hack BRRRR, where you fix up the property as you live in it, that way you can cash out refinance.However, if you are unable to refinance, it may be smarter to put a higher down payment (say 5-10%) given you have a lot of cash.