They are farily easy and do nto require much to get started and the Max LTV is going to be 75% but I have seen some exceptions to 80%.Rates are subject to a few thing like loan amount, property type, number of units, credit score and downpayment.DSCR allows you to purchase with No employment and No tax returns so its a little easier. 

There are some markets here growing at rapid rates. 

The goal is to determine whether the government accurately adjusts DoD Basic Allowance for Housing (BAH) rates and to develop a predictive model to calculate possible future BAH rates for specific locations.We have pulled rental data from Zillow and historical BAH rates from the DoD.

Hopefully as the rates and the housing market loosens so will some of these guidelines in the HML programs. from talking to hard money funds especially those who operate in more than 10 states, and 5 years of experience with underwriting teams, I'd actually disagree and say new construction is preferred to rehab due to experience level to enter the market. there's BP lenders that will do 15% LTC with 1-2 new build experience.

I am locked into a 30-year loan with a 2.8% interest rate, so refinancing doesn't make sense given the current high-interest rates.

The listing for my property is here: https://www.zillow.com/homedetails/682-Washington-Blvd-Baltimore-MD-21230/36535551_zpid/I currently have the house listed for $2,800 after decreasing the rent multiple times over the course of 5 months.

If 2022 or later the values have dropped due to higher cap and interest rates so if you have gotten any appreciation at least you haven’t lost money. 

I don't know your specific market all that well but have you done some analysis on your ADR during the high season X your high season occupancy rate and determined whether taking lower priced slow season bookings vs letting your property stay vacant during the winter averages out in your favor?

., interest rate, payment structure, balloon payment timeline, etc.)

If this is financing for a stabilized property rate carries more importance but rate combined with origination fees, pre-payment penalty and term in which you intend on keeping the loan in place are all considerations which together should help in deciding the best financing option.