Is the loan assumable? 

Example: If you take out a loan for 7% you would want to make more than 7% to make it worth it, and probably significantly more.

Financing OptionsParent Loan Options: Consider home equity loans, investment property mortgages, or co-signing a loan.Tax Implications: Speak with a financial advisor about potential deductions and capital gains.Rental Income Potential: Explore the option of renting out extra rooms to offset costs.5.

So i put in an offer for 10% down conventional loan, $530,000 with 10k back to me for closing costs and it was accepted right away.

I might have a private lender referral that does rural loans in Mid-MO if you're interested. 

To have a successful STR I HIGHLY recommend listening to this episode of a podcast: https://podcasts.apple.com/us/podcast/on-the-market/id161508...Once you listen to this, and any highly involved STR operator will agree, you will find a lot of the fundamentals are lacking in Kissimmee or you have to have deep pockets to hit those.I won't spoil the episode, but if you listen to it (and anyone out there that does) feel free to DM me afterward and I'd be happy to talk details tailored to your situation on if you're on the right path or maybe I can help.

Based on the numbers seems like it was a straight forward conventional loan...any challenges?

A HELOC felt like the right approach, but I'm learning it's pretty impossible to find a lender for my situation.

It allows you to take advantage of a low down payment loan.

I'd recommend a HELOC for your situation, especially since there is already good equity in the project.