So I got a private message from @Peter Walther to the effect that he was not allowed to comment on this thread.Do you really need to be a Pro/Premium member to comment on posts?

A local bank, private equity, or certain lender may let you get more after that.

The private lender interest rates are high.

However, public record said it has 3 beds 2 baths and it considered a small room that has no private access to the house but through one of the bedroom, a bed room ( little room does have window and its closet).

Is your property in one of the resorts (Champions Gate, Storey Lake, etc) or off in a private neigbhorhood?

Another suggestion someone gave me was being the bank and act as a private lender at 8% to 12% interest - you would need to vet the investor and project carefully and financial transactions are done through a title company. 

**This is my favorite** Buy the rental with seller financing, private money loan, or commercial loan in an LLC.

Quote from @Ryan Blackstone: I will email you our list I would love a list of private money if you have any [email protected]

It is a 4bed 3bath 3200sqft $1.2m custom homeBenefits- no HOA or rules restricting STR -1mile (walkable) from historic downtown or from the Rock park-house has nice views and is pretty secluded from neighbors and feels private-assumable loan with much lower than market paymentDraw backs- high price -no comps, new house in older neighborhood.

With the new public and private investments in and around downtown our view is that Springfield has a lot of upside potential.Hope this helps!