I do not have the capital for the property to pitch in, so I plan to use the investors money to secure the property.The interest rate that I will pay the investor is 5% for up to a duration of 20 years.

Tenants are more likely to trust landlords who demonstrate a commitment to fairness and legal standards, leading to better occupancy rates and long-term success.Adapting to regulatory changes is an essential part of being a successful real estate investor.

While less than 10% of the mortgage industry offers 40-year mortgages, here's something to factor in: they often come in with a rate increase of 20-35 bps.Assume 35 bps.$300k mortgage at 7.25% (30-year): $2,046$300k mortgage at 7.6% (40-year): $1,996Technically, it lowers the monthly, but not by much once factoring in the rate adjustment.

I think it could be due to niche cabins still having a strong nightly rate but I’m a total noob. 

Higher inflation equals higher interest rates. 

What is the compelling reason for them to pick you, with your competitive rates, over someone else they've already been using with competitive rates? 

If the floating rate debt starts costing too much and there is no capital to replace a rate cap, reserves run out.  

Hard money loans can be an option, but they often come with high-interest rates and short repayment terms.

The higher the cap rate, the more risk involved in the building. 

Comes with a known rate, a known term, a known payment.