I have used hard money as a sort of bridge to longer financing, for example to fix a place up and stabilize it then move to a 30 year fixed product, whether that be conventional or DSCR.I do not think hard money is a good long term option as it is expensive, and STR's are long term investments in my eyes.

But there are many other options that governments can take to incentivize productive behavior.

No matter which product you pick, there is a learning curve.

My financial objective is Teak production and sales to India/China/Europe and also procuring physical locations that won't be for sale in the future.

I think checking with the city to make sure they are okay with the product from a code standpoint, would be the most important thing.

The product offers two tiers, free and "plus."

For lending, yes, you will be limited when it comes to conventional lending, as those loan products are made for owner-occupied properties.

I just choose not to buy unnecessary products I feel like are price gouging. 

Try Goosehead Insurance -- they are a brokerage (not a single agency)  started by investors because they were not finding the products they needed. 

He knew his product was valuable and was in a great position to partner with those he chose.