However right now even the highest rates we can offer you for an investment are still carrying points. 

Like I said in another response to this thread a really good TC will have a hand full of top producer be worth their weight in gold and make a VERY nice living for an in home job that comes to you with little to no over head.. 

Now you’re carrying a huge debt that is solely reliant upon STR business.I would sell it and take the cash to buy multiple SFR's or 2-4 unit multifamily rentals and spread my equity to more REI's (without an HOA).

These loans generally carry a higher interest rate than first-position mortgages because they are more risky for the lender in the event of a default since they are the second party to get paid in the event of a liquidation. 

--> Crowd Pleasing Standout Outdoor Amenities🏀 Sports Court - Pickleball & Basketball⛳️ Putting Green🔥 Fire Pits🔹 Hot Tub👨‍👩‍👧‍👦 Multiple Seating Areas🏓 Corn Hole & Ping Pong💧 Heated Pool🍔 Built-in Grill🖼️ Outdoor Mural--> Crowd Pleasing Indoor Amenities & Design🔹 Blockbuster Movie Themed Bedrooms & Design Carried Throughout the House🔹 Converted Garage Space Into a Pool Table Game Room🔹 Poker Room🔹 Themed MuralKey Takeaways to Drive Revenue for Your STR🔸Know Your Guest or Avatar and Design for That: Don't be afraid to go all-in on a theme that resonates with your target audience.

You still have to run comps on everything, determine construction costs & estimate ARV, carry & commission costs, etc to make sure that deal in that market makes sense.To do that last portion better, I use Sales Comps and drilled-down market stats. 

The bucket was halfway filled with South African Krugerrands and American Eagle gold coins.

This is a tax shell game question about gold and real estate in the states passing "legal tender" legislation like Louisiana (article linked). 

I have an option to take over owner carried financing of the building  that the previous owner has set up with the owner before them.

For the purchase of the new property, you can consider a seller carry offer (balance of purchase price minus the down payment) or obtain a new mortgage on the commercial/resort.