Looking for advise for lending options. DSCR? HELOC? First born?

[Steve Holly]

I posted the other day and it raised more questions. Quick scenario is this: I am acquiring a cabin in South Lake Tahoe which has been in my family since the mid 80s. Will be owned free and clear by my sister and I. We have created an LLC to take ownership together, but can also take ownership in our names only (transfer is not yet completed). Awesome location, walking distance to the ski resort/casinos. Property is dated and I would like to do some updating to make it a nice rental property. I thought about a cash-out refi, but I would rather not pay it back over 30 years. Looked into a HELOC, but apparently banks don't want to open HELOCs on non-owner occupied properties. What other options do I have?