All Forum Posts by: Lyndsay Zwirlein
Lyndsay Zwirlein has started 4 posts and replied 317 times.
Post: Niagara Falls, Windham, Finger Lakes Region NY & Poconos PA

- Lender
- Posts 331
- Votes 209
Gorgeous!!!!! congrats on the great reviews.
Also I saw you're looking at the Poconos region. Let me know if you need an agent recommendation. I've met a couple through clients and can share their names if it's helpful.
Post: STR value add, dinning room or another bedroom, only one bath

- Lender
- Posts 331
- Votes 209
Who is your target client? Think about them and how they would travel. Also depending on how long you plan to hold the property, there is usually a bigger difference in value from 2 vs 3 bedrooms so understand the long term implications. Lastly if you end up working with the kitchen as is, look up design ideas for small spaces. Maybe there’s something you’re not thinking of like a breakfast nook that fits in the corner and doesn’t take up much space but offers enough seating.
Post: Hot Tubs manufacturers for short term rental properties

- Lender
- Posts 331
- Votes 209
Aurora Gallery just did ours and we’re great. Super reasonable, fast and they deliver.
Post: Recomended Lender for Warrensville (Cleveland) OH

- Lender
- Posts 331
- Votes 209
Thank you @Jayson Cain!
Yes I am happy to help and will send a PM!
Post: STR Lender in Asheville, NC

- Lender
- Posts 331
- Votes 209
Hey Marcelle! Happy to help! As a lender, I solely work with investors and we have options for conventional and non-QM mortgages (ie DSCR, etc). We own a few STRs personally. Also Matt Payne (Walnut Cove Realty) is a great Real Estate Agent in Asheville/Arden!
Post: Purchasing first STR, what am I shooting for?

- Lender
- Posts 331
- Votes 209
I bought my first STR in Gulf Shores, AL! The beaches there are truly unmatched. The prices have gone up like everywhere else, but you might be able to find something with your budget. My agent was a total rockstar if you need a recommendation! Also with $400-600k budget, Myrtle Beach could work. Good luck!
Post: Own 4 properties. Looking for financing to buy more.

- Lender
- Posts 331
- Votes 209
Agree with @Robin Simon. I'm sure you could look at conventional loan options given your strong financial position. It might be worthwhile because the terms are better. However DSCR underwriting is a far easier process in terms of less documentation. Plus you can look at each project on a standalone basis.
Post: Niagara Falls, Windham, Finger Lakes Region NY & Poconos PA

- Lender
- Posts 331
- Votes 209
We LOVE the Finger Lakes and I have considered this as an STR market, as well. Where is yours located?
Post: Short Term Rental Financing

- Lender
- Posts 331
- Votes 209
We can assist with this. I specialize in STRs like many on the thread. We have conventional and non-qualified mortgage options (ex: DSCR, bank statement, etc). Happy to help if you need a second set of eyes!
Post: Ask me (a CPA) anything about taxes relating to real estate

- Lender
- Posts 331
- Votes 209
This is awesome!! Thanks, Nicholas!!
My fiancé and I are getting married next March 2023. He owns an S Corp and uses a CPA for his personal and business returns. His business is substantial and he needs the experts he's dealing with. However with my real estate investing portfolio, I am looking for a more strategic CPA who specializes in RE for 2022 tax year and beyond. However next year we are going to file jointly.
How do people handle these situations? As a CPA, would you ever work as a consultant for just my real estate holdings? Or do I have to work with his CPA now who specializes in manufacturing?