As a side note, FDIC insurance protects depositor money, not debt.

There are plenty of older homes on the market that do not have closets.You need 2 egresses (including 1 that goes outside) such as a door or window, size about 70sqft (local codes may differ), ceilings at least 7ft high, and it cannot be a walk-through passage.As always, your local codes may be different.

Listing your property there ensures visibility.Build Relationships: When agents reach out, respond quickly, highlight your property’s amenities, and showcase your flexibility to meet displaced families’ needs.Highlight Insurance-Friendly Features: Emphasize features like flexible lease terms, utilities included, and a fully furnished setup to attract insurance placements.This approach has helped me successfully market to insurance companies.

Reflecting on the last 20+ yrs, when we could cash flow immediately with low cost sfr, had we gone with the higher priced properties and significantly lower cash flow, more debt, we could not have achieved IRRs even close to what the lower end product has delivered, nor paid off the investments. 

We have no debt and good credit scores, do we have any options for making this work?

I understand if you want to sell 1 of the lots, but I'm not sure about your concern about paying off the debt so that you own it free and clear. 

As a short-term rental property manager in Massachusetts, I charge a 20% co-hosting fee, which includes full-service management—guest communication, vendor coordination, cleaner oversight, and overall property operations.I've seen competitors charge anywhere from 10% to 30%, but lower-cost managers often cut corners, while higher-end services may not always justify the price.

It seems like it "should be" good with some good features for the price (specifically I'm looking for an easy way to sync pricing across platforms including my website).  

Retain proof of that notice and make sure you include the new tenants right forms required by the city now.

Everybody who invests in Southeast Mexico, including myself, knows that the typical property doesn't offer ROI upwards of 10%-15% but way less.