One option I haven't noticed being mentioned is to auction it.

To access your home equity without selling, you can explore options like a home equity loan, a line of credit (HELOC), or a cash-out refinance.

If the rent stabilizes, I can then consider refinancing these properties using DSCR or other valid options (please educate me, and let me know what other options you think are valid).

If you are having trouble sourcing either over a years-long period I agree selling makes the most sense.

If you come to the conclusion that you need to focus on your primary earning job but want to start investing in real estate then maybe a turnkey option would be best.

We looked at a couple different options as far as % downpayment and I figured I would refinance in the near future to help the payment get down lower.

When I help buyers in COS and they see $700+ HOA and I explain the land lease scenario they don't consider it an option.   

Is the option government supplied insurance where taxes supplement the insurance?  

Seems like a good option is STR during peak season and MTR in other times of year.

That seems to be extremely unique in today's environment.But if you're looking for more tenant stability, some of the options you listed might be a better fit. and don't see it talked about a ton here (that may be a good thing)