Perhaps reach out to local agents who work with a lot of buyers in your market and see if any of them need a place to rent while they house shop (inventory is still low).

I shopped across 15 different institutions for my personal HELOC and they seemed to have the best terms out there.

Personal loans through the credit card companies can be approved and fund very quickly and my best rate is 7.9% so shop around as some are much higher.

Very desirable place with high end shopping.

You can shop 10 or 20 lenders in a weeks time, find out what products they offer, what rates, what overlays and qualifications they each have for you.... 

We do comparison shopping with similar properties several days per week.

I stopped into a barber shop and the lady asked me for my phone number.

@Brandon Croucier is giving you solid info on finding an experienced and honest mortgage broker who can shop your exact scenario both ways, with the rehab and without and break down the benefits of each with all fees so you can see an apples to apples comparison. 

@Chris Seveney I remember when cupcakes shops were popping up everywhere and were a big thing.Then, poof, most of them were gone!

A few things to consider when shopping for an STR on the Oregon Coast:- Geographic Restrictions: These are small, remote towns.