Hi Zhenyang It sounds like you are looking to determine which kind of loan will allow you to afford a higher price point based on a $1.5 Mil down payment? 

Everywhere I turn all I see are pitches for affordable housing and the same (not so) compelling arguments regurgitated by syndicators, capital raisers, brokers etc. for the investment strategy....strong returns...lower volatility....supply (huh?)

But if you did the property up right with killer design and great amenities -- I'm picturing cool wallpaper, a game room, boho/modern furniture and a hot tub -- I can see a place here doing well as an affordable Airbnb/STR option just 10 minutes to downtown Denver.

Easy living, comfortable furniture. Fully

This week, the City of Jacksonville Municipal Court ruled in favor of PadSplit, voiding citations for "illegal boarding houses" on constitutional and fair housing grounds.This marks a huge victory in expanding affordable housing solutions while navigating legal challenges.

I have had room-to-go furniture in 3 of my Airbnb for the last year.

Stick to durable, affordable furniture, and you’ll have your Airbnb running smoothly and raking in solid income in no time!

We don't spend anywhere near that much nor do we go through 2k worth of linens, kitchen stuff or furniture.

Those that could afford the huge mortgage bought a primary, built ADU and did STRs or MTRs in S.F.

(If you don't have outdoor furniture - borrow it from some friends in trade for babysitting.)