And this would be attractive because if they have cash laying around, you'll give them a better return than it's making in a savings account, CD, etc. 

Usually, provided all the units are attractive, you would probably get more total rent. 

I'm a new RE investor in general and my intention was to shop around here if anyone is wiling to offer a better rate than my current one.I mean no harm/offense to any lenders out here, but I thought it would be a 'fun' post to do to attract some attention and traffic.

Probably not.Consider adding amenities to attract guests and raise your prices to fit that level of quality, but keep your guests number limited to less.

Commercial loans are much more lenient but generally have less attractive terms (e.g., higher rates, shorter amortization, balloons).The six to 1 year "seasoning" requirement is for cash-out refinancing. 

You can get by with just one, but 2+ is certainly attractive to renters, particularly short-term guests.

For such a community, I think pickleball courts, walking paths, and dock access to local waterways would serve as enough incentive to attract homebuyers but not incur high HOA/increases to retail price. 

I'd love to get your feedback on which option you think is more attractive and why.Option 1: Equity Partnership- Target Properties: Single-family homes, multifamily properties, and land for development in prime locations.- Investment Term: 5 years - 10 years- Equity Split: Investor 80% / Sponsor 20%.- Preferred Return: 8% annually to the investor.- Profit Sharing: After the preferred return, profits are split 70% to the investor and 30% to the sponsor.- Management Fees: 2% of gross rental income annually.- Acquisition Fee: 2% of the purchase price.- Disposition Fee: 1% of the sale price.Option 2: Debt Financing with Equity Upside- Target Properties: Single-family homes, multifamily properties, and land for development in prime locations.- Interest Rate: 6% interest only for a term of 5 to 10 years- Prepayment Penalty: 2% if the loan is paid within the first 3 years- Equity Upside: Investor receives 30% equity of the appreciationWhich option do you think is more attractive and why?

This means attracting businesses that provide jobs within the city and creating more shopping options.

The less attractive view and smaller units get very close to your example numbers and sell all the time.