If you have a 12-month history of the property's performance, you may be able to get some wiggle room with more local banks for it.One thing that may impact the lender's ability to lend could be the Debt Service Coverage Ratio (DSCR), but as long as the property cash flows well then that shouldn't be an issue. 

Have multiple funding options in the works because one might fail and you will need the back up to close on time.

I think your manager is failing you. 3.

Then we committed to bank 10% of everything else (a tithe above a tithe I guess) and pray separately for places to give.   

We would buy the land outright and then through our local bank connection that we've done deals with in the past have them help fund the build out with interest only until with hit a certain lease up %.

I've read there are pass/failed inspections that let you walk out of the deal but you don't get to ask the seller to make any changes or credits.

Are you fully booked but maybe not charging as much as you could or are you failing to fill your calendar (maybe you're not pricing competitively enough).If you aren't booking up your property then a tool like RankBreeze could help you increase exposure of your Airbnb listing while also doing some of those strategies Mike suggested.

Is it worth the time to put offers on bank owned property?

Quote from @Victoria Phifer: I don't recommend charging anything on a credit card unless you have total control of your finances and can pay off the balance every month.I charge everything I can to credit cards, but I pay the balance off every month, 100% without fail.

Local bank financing would require an additional $350-$500k towards the down payment.