Creative Financing" can mean a lot of different things depending on who you're talking with. 

Since you're familar with commerical development, most enginering firms, and attorneys work on both residential and commerical. 

This will also allow you to avoid taxes on the sale.

Instead, you could explore pulling equity out through a home equity line of credit (HELOC) or a cash-out refinance.

Depending on your loan it might only work in the STR game.HOA’s normally do not allow in the Oceanside area but if you get on the beach then they do with restrictions.If you want a personal consult let me know.I have a team here in Oceanside, Carlsbad.

Vendors who partner with Costco pay for market exposure and referrals, which often adds to the final cost passed on to the customer.

You can also use online resources such as City Data to search demographics in the area. 

However, this is a conservative regional bank, that is on the NASDAQ, so maybe that’s the issue?

When you are on the island, come to our meetings, you will meet a lot of people /  resources there. 

Any recommendations on lawyers to talk to that can assist in advising on an LLC fund (if needed) and how?