-It is a much more active business than a traditional rental.

This model would factor in dozens of variables from traditional and non traditional data sources. 

Understand that you are no longer in traditional real estate/landlord business that you are in hospitality business weather you like it or noe even if someone else is managing the property.

It will behave as a traditional WP style of page on the web.

In most states a contract for deed is worse than giving a traditional mortgage and note, for example, TX, AL, GA, NC, SC, TN, MO, MS, MD, VA, FL...

We have more traditional 3/2 single-family homes within walking distance of the beach that can be purchased for $400-$500k. 

If the buyer got a loan from a traditional lender to get to the 75k number, would that automatically put me in a second position on my seller financed note?

However, I talked to my realtor who got started in real estate via room rentals and he shared that as a 'border income' situation you actually have more rights than a traditional landlord.

Yes - Multifamily DSCR Loans can be a great option for this - check out this recent article posted last year on everything you need to know about Multifamily DSCR Loans (generally for properties with between 5 and 10 units) including comparison vs. traditional loan options!

Depending on the lender's protocols, either traditional or virtual appraisal methods may be employed.