Opening a bed and breakfast can be a great business opportunity — if you're ready to invest the necessary time and money. Just realize you might make money right away, or it may take you two or three years to see a profit.
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If you're really keen to buy a bed and breakfast with no money and the renting option does not sound a good fit for you, then maybe you could negotiate a private mortgage with the current owners. You would then be paying the loan back to them instead of a bank.
Airbnb is a lightly regulated home-sharing site that lets almost anyone list accommodations for rent.A B&B is a regulated small inn subject to state or local lodging laws. Think of it as a small hotel with a few extra perks and personal touches.