You seem like a very intelligent and hardworking person; I'm sure you can come up with a value proposition that is unique to you. 

I prefer to utilize a broker lender because they generally have access to more unique loans, however I do know some BANKS or credit unions have inhouse portfolio programs available that don't exactly follow fed guidelines, which may also be good options. 

We're looking to build something unique/contemporary with of course elements of the local area (mountain town).

I have each unit in the building with a unique rent rate, so even if the tenant does not have the teller enter a note with the deposit (they often do), I still know who the rent payment is from based on the amount. 

Again, your situation is unique so understanding what lending is available to you once you reduce or elimnate your credit card debt would be a good step.The reality is you have the income and the ability to make this move and own multiple properties in 2 years...BUT...you need to make some sacrifices and hard choices for the next 2 years in order to get there.

Do you have a floor & Decor location there locally ? 

They can quote the by-laws by song and verse... be it the decoration you tenant hung on the door, or the tenant's inoperative car, or noise violations, etc, etc.I would definitely check into the rules of the HOA.  

I've been in my primary residence for 20 years and am building up cash now so I could see myself in this same position.Any input you can give on this unique "hack" would be great! 

Utilities, taxes (property, local vacation, & income), landscaping, furnishing / decorations / amenities, pest control, & supplies (soap, TP, etc) are the big ones on my STR calculator that you didn't mention.I'd also recommend using the enemy method to determine expected income.

However, we are afraid that our dream property won’t be around if we take the realtor route and wait who knows how many months before it sells.I suppose where you all can be of assistance (and thank you so very much… I’ve never heard of bigger pockets until today) We have a super unique house to sell.