Rate shop .

Charge the tenants a higher rent rate and include utilities with their rent.

The lower rate or longer term can also make the payment more affordable. 

A line of credit is adjustable rate with interest only payments that will have a "draw" period usually of 3-5 years for investment properties (usually 10 years for primary home) then will amortize over the remaining term after the draw period.

You can find out nightly rates, occupancy and amenities.

Elite’s rates are a little higher but they sound MUCH more flexible.

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

Don't expect rates to come down. 

They will basically be break even though after refinancing at 75-80% LTV with the higher interest rates.

Plus, that is the cheapest that money will ever be for you.  2.65% interest rate?