I love the seller financing model because if the property is owned free and clear, there are no banks you need to deal with and for the sellers they will receive more than the negotiated purchase price once factoring in the interest payments and they can defer having to pay the capital gains.

DSCR rates and points are likely going to be competitive with the other options if you are thinking long term and don't mind slapping a 5-year prepayment penalty provision on itI think the answer to your options are clearly just model out the total cash flows and projections of each scenario and compare.

I am currently in the process of building my a new build in Cape Coral FL with them that had an all in cost of about $265, is a 4/3 model, rents estimated at $2300/mo and post construction appraisals are $377k on average for this model.

Hard pass in my mind to pay 3k to be taught how to find wholesalers and lend them Earnest money :)  Just sayin.. that is simply not a business model.

Read anything on Private Equity structures as most syndications follow those models. 

I am putting together a business model to convert a single family home to this type of facility and have an idea of the qualifications to get this running.

While STR and LTR both involve real estate, they are drastically difference.One is more like a business and the other is more like an investment.You can make more money through a STR, the question is do you have the expertise in the business and are you willing to put in the extra time / effort.

I am newly licensed and considering joining eXp as I like the cloud-based model.

Does anybody have any spreadsheets or tools that they'd be willing to share with me around some solid number predictions based on interest rates, occ %, etc. 

My business model in Canada has been 4 months of STR and 8 months of student rentals.