Looking for Financing Solutions for Multi-House STR Near Hunter Mountain

[Matt Turlip]

Hey BiggerPockets community! I'm under contract for a unique short-term rental property in Hunter, NY. It's three houses on a single parcel (7BR main house, 5BR lodge, and a 2BR cabin) generating over $250K in annual STR revenue (peaked at $350K). Purchase price is $1.365M.

Appraisers keep trying to force it into a standard DSCR "box," but with three separate dwellings and solid income, it really needs a commercial/cap-rate approach. I'm open to a private or bridge loan if needed, and I'm also exploring a commercial loan via local banks.

Has anyone here financed a similar project in the Catskills/Hunter region? Any lender recommendations or creative financing tips would be greatly appreciated! Feel free to DM me if you have referrals or want more info. Thanks!