This will be our first vacation and STR home. 

Neighborhood Scout is not going to cover any shortfall you have if it doesn't materialize.you could try finding a bank or broker that will do 80% out on a refi, although probably not possible to close by the end of this month. 

This home has been highly operational with high rates of occupancy, bringing in anywhere from $500-$1500 a month in overage beyond our monthly expenses.

Unless the land is super valuable, probably not collateral for the mobile homes. 

This really comes down to what your ultimate goal is. 

I would love to connect with anyone in this space. 

At this point I'm realizing can scale a lot faster with those partnerships, and beginning to try and understand the actual structure of the business behind these kinds of partnerships.

This way it is a non-issue.

Rick here’s how you play this.

I've stabilized that hemorrhage and have made good progress to reducing this debt but a recent chat with a conventional lender didn't seem to yield any options due to the DTI issue.