I'm in Steubenville, Ohio a small town with limited resources.

Yes, I'm a Property Manager in the greater Phoenix area.We are a mid-size property manager, large enough to have great tools and support but small enough to provide personal service.

You haven't provided enough information on that to allow specific advice.If you purchased the property in 2020 you should still be at a good interest rate (assuming a 5 year balloon ARM).

I'd also recommend you go big, bold pattern on the rug and small pattern on the curtains, but you could do the opposite. 

I have $25K cash for a down payment and can add $20K/year ($1,600/month) toward payments.No W2s, I've looked into building a small home right away and using a bank statements loan (have about 8800. monthly income) , but with 9%+ interest rates, it’s beyond my budget.Is there any sort of creative financing ideas possible or private lender possibilities?

I agree with Michael and JohnYou may get a small premium above appraised value for furniture and future bookings but that is about it unfortunately. 

You don't discuss your investment properties or direct client wins.If you don't provide real-life examples of your success or your client's success, people will know you don't have the experience to help them.

For example, I recently made a loan to a house flipper, partnering with my self-directed 401(k) and Health Savings Account (HSA).

Here is the thread I started a few months back detailing my experience with Growth Equity Group, Brett Immel, and their cronies.https://www.biggerpockets.com/...Subsequently, I've had dozens of investors come to me directly, many of them having phone conversations with me, stating how they lost most or all of their retirement funds.

Your direct email address3.)