You might be able to get a traditional DSCR lender to finance this with an exception on the sqft, however the rate will be high.. 

When the math works, this can absolutely generate strong cash flow with lower upfront investment than traditional rentals!!

It’s been cash-flow positive, with strong reviews, minimal vacancy, and runs on a fairly passive system I’ve developed.My Goal: Now that I’m local to Orange County/South Bay, I’d like to apply the systems, experience, and insights I’ve gained to launch a property management company focused on both midterm/furnished and traditional long-term rentals.

Additionally, the California FAIR Plan can provide temporary coverage while you secure a traditional policy.

Many investors are combining private funding + traditional debt to get deals done.What’s your take — are banks still involved, or is private money driving these deals now?

While traditional steakhouse meetings have their charm, we're focused on leveraging digital tools to streamline the process.For those experienced in remote capital raising — what platforms or strategies have you found most effective?

One huge advantage here is that Memphis supports not just traditional BRRRR deals but also new-construction BRRRR projects—a strategy that’s extremely common locally.

A hundred bucks a month sounds nice on paper, but when it’s tied to guest messages at 11pm and constant turnovers, that premium disappears pretty fast.I’m focused on the Florida Panhandle, mainly Panama City Beach and Destin, and I’ve found the STR game here feels like a different world compared to more traditional rental markets.

Great question, Duane — private lending can be a solid option if you’re planning multiple flips or want flexibility compared to traditional financing.

Being able to buy a new primary home while renting out your current one or secondary home that you mentioned is actually a dream scenario for many investors just starting because it lets you avoid the costs of getting a traditional investment property loan.