Don't expect rates to come down. 

Especially in a high interest rate environment where cash flows on long term rentals are muted and there is significant capital required to purchase and list on airbnb.I live near NYC but would invest out of state in an airbnb / landlord friendly state.

With today's high interest rates, it usually doesn't make sense.

Year over year we've seen impressive appreciation rates and often times investors are able to re-sell at a profit a year later with minimal to no work.

My two partners are willing to pay their share, but they’ve also offered me the option to take over the property completely since the loan is in my name.Here’s my dilemma: If I keep the property and rent it out, I could get around $2,300 in rent, but my mortgage is $3,300 at a 7% interest rate.

And a lot of old school GCs may not have the ability to take a CC and may not care to learn how to...Main question is: why do you want to do this?

I generally went with private money first because I’d get better rates and terms.

It's important to know what market rents are for what you are analyzing, many properties are super under rented and you have to get them to market rates. 

I would look for a low interest line of credit to put on the property and lend at a higher interest rate.

You also implied that we don't specifically price deals for our clients and the client's "rates and fees will be much higher".