Then my other thought would be finding a program that can not only lend on STRs, but knowing how they do that.Some would do a combination of market rents versus AirDNA values to show cash flow.

There are options at less than the six month mark but there just less programs so there will be less good options to choose from. 

Yes, the FN programs are the least favorable in terms of leverage/rate. 

This real estate presenter has a coaching program charging thousands of dollars for one year coaching as well.

Yes, we offer a cash option and a novation option that we call, our concierge program.

are there any equity line of credit programs out there that go closer to 100%?

Every dollar going out should be tracked by you via Quickbooks or similar program and all of your vendors receiving over $600 should be sent 1099's (money out). 

Section 8 is a government program and any time you're dealing with a bureaucracy, you can expect delays.

My focus has been building stable, low-turnover housing for medical residents and fellows,  professionals with demanding schedules who value quiet, reliable living environments.I’m currently completing an entrepreneurship MBA at UIUC and building data tools to identify U.S. markets with high concentrations of medical residency and fellowship programs paired with favorable tax structures and infill potential.

I am a residential investment loan officer and would be more than happy to serve as a resource to help you navigate through and become better educated about various lending programs and financing strategies.