If you don't want to use the PadSplit route, you can list your property on traditional OTAs, such as Furnished Finder, Airbnb, VRBO, etc., and see how many inquiries you receive.

Traditional paystubs and PDFs can be forged in minutes.

Instead of traditional risk transfer and interest-based investments, participants contribute to a shared pool designed to help those in need.

I’d also talk to a CPA just to make sure you're not missing any tax nuances — there could be pros and cons around interest deductibility, depreciation basis, and how your write-offs change when shifting from a traditional mortgage to HELOC interest.From a strategic lens, I’d just challenge one angle:If you can access that much equity from your primary... is this the best way to use it?

Traditional lenders like banks (hardest to please)2.

The key factors are insurance and the value you're providing to the landlord that a traditional renter wouldn't, and being confident when you pitch.

Especially in a tight market, those types of deals are fewer and far between — and they often go to people who already have a track record or network advantage.One thing I’d gently suggest: if you had put the same energy into a side business, freelance work, or even a second job, that income could’ve been used to fund a traditional deal, increase reserves, or qualify for better financing.

High rates and inflated prices make traditional rentals tough right now.

Not in that market but the non traditional student you are talking about I'm sure is an interesting niche. 

Property Manager – Day-to-Day OperationsHandles the operational nuts and bolts:Leasing and rent collectionTenant communication and screeningRepairs and maintenanceEvictions, legal noticesCompliance and inspectionsMonthly rent and expense reportingGoal: Keep the property occupied, compliant, and functioning smoothly.Asset Manager – Long-Term Financial StrategyFocused on increasing value and return over time:Setting investment targets (IRR, cash-on-cash, etc.)Market analysis and performance benchmarkingPlanning renovations/capital improvementsAdvising on refinance, 1031 exchanges, exit strategiesTax planning and portfolio diversificationGoal: Maximize ROI, equity growth, and long-term performance.In short:A property manager preserves an asset.An asset manager grows it.As property managers, many of us are already doing more than traditional “management” work—especially for investor clients who look to us for guidance.So here are a few questions I’d love to hear your thoughts on:Do you market your PM services as “asset management”?