Win-Win! 

My wife and I were able to use the equity in our first home to cover the 20% required for a conventional loan; will most likely be your best bet if your gf has the equity for it. 

., you bet you can.

Your best bet will be local facebook groups (search the city and use key words like: XYZ City in Washington/Arizona Real Estate Group or Real Estate Investors). 

@Milton Carrillo your best bet is going to be to go to the city and speak with someone in the Building Department or Planning Department. 

If the PM is listing through AirBNB/VRBO you'd still pay those fees on bookings through those sites.In fact, I would bet a lot of PM companies calculate gross revenue before those fees are taken out, so they're actually charging you their 15-30% management fee on the VRBO/Airbnb fees you're paying, effectively INCREASING the Airbnb/vrbo fees, not lowering them. 

Your best bet is to talk to a few hard money lenders who could share with you how they do business, what your payback schedule would look like (often nothing until due or interest only), when the loan is due, and how much they would loan on a sample property.

It's a win-win.In addition, the listing agent often has to do significantly work to keep a transaction on track when there is no buyer's agent managing that side of the deal. 

It's a win-win for you at this point. 

It's been a win-win all around.