I found a hotel room at a small ski resort and lake town listed for $35,000.

Some mortgage companies will not lend less than a certain amount, so you have to resort to local smaller banks.

And this isnt the time , with material costs up sky high and labor in short supply even the big players are having problems with supplies . 

I think PropStream is what i may resort to using.

I'm surprised an STR would be viable in a place with a resort hotel on the property.

So as far as hard money lenders go, I've been quoted as low as 7% interest (this changes daily), and they would even use the equity in my first home for the down payment on my 2nd property, this however is a last resort for me as i would prefer less risky financing.

I think that we will see some attack like a wealth tax that affects folks like Jeff Bezos and Warren Buffett not necessarily the smaller players.

However, using locals that are familiar brings a significant advantage since they are familiar with the key players in the area.4.

Maybe you offer to put them up at Disneyland resort for three nights.Don't automatically assume there's a problem.

Overall; check with your bank first for a free option like Zelle, then move onto setting up with a third party player like ZenLordPro (there are numerous rent colleting apps, this one is just pretty easy to use) and you're thinking along the right lines in setting up electronic payments.