I would like to use it as collateral to borrow 42k from a private lender, interest only payments in the 8-10% range for 12 months.

My eyes are wide open! 

This makes the home more accessible to a wider range of buyers, increasing its marketability and potential sale price.

The whole point to them is they are not being widely marketed.

So looking into single family homes in the $400K range.

I've had quite wide variety of the brown stuff.

There's not any (to my knowledge) Jacksonville wide STR regulations.  

A great example of this is Orlando and Kissimmee, where hosts really go all in on a range of Disney themes.

Turnkey providers can range from terrible to great. 

Many lenders avoid these deals due to the low resale potential, but I'm curious if there are any loan products available for this price range, especially in markets like the MidwestAlso, does anyone know if any lenders are bundling multiple low-cost loans to meet minimum loan thresholds?