Carlos - the minimums are usually higher, however working with a financial adviser that does a decent amount of business with DST/REIT sponsor firms you can typically get the minimums down to DST levels (100k). 

You have to calculate based on a more than a few things like loan amount, down payment, taxes, Insurance, (Any HOA) PMI, based on credit, etc.If you are 1099 the Bank can look at the most recent 1099/Schedule C if you have been in business for 5 years or more with a 25% ownership in company or more. 

Business accounts still get the market interest rate. 

I am currently looking through different markets and reading as much about the details of making this a business as I can.

I am about to purchase a property in Miami Beach to do STR, and I'm so excited to start my Airbnb business venture. 

Even though they are family, I recommend you treat them as business partner in this scenario. 

I had to put money on a personal credit card and I had to open a business credit card to cover. 

They are a Purchase & Sale Agreement, Title Report, Power of Attorney, Disclosures, Closing Statement, Payoffs and a business card to a good attorney to get you out of the mess you will create if you try doing this on your own.But use somebody, like us, that actually knows what they are doing to learn this.

Previous business partner How did you finance this deal?

We have helped several businesses open up using a Tiny Home to fit their business needs along with the City of St Louis with their homeless project.