What I'd ideally like to offer are the following...Up to 75% LTVUp to 100% LTC12.49% Rate2 Points6 month terms with options to renew. 

You have 2 solid options!

I’ve explored options like using a HELOC, cash-out refinance, or leveraging my home as collateral.

BiggerPockets has options to search through investor-friendly resources that you are looking for here too. https://www.biggerpockets.com/real-estate-companiesGood luck on your STR journey and let us know any updates or questions that come up!

In Cumberland county NC, the Sheriff office is an option and certified mail.

If you can get someone to do this I agree this is a great option. 

Perhaps they offer a favorable refinance option if the property has appreciated to the point where the current loan amount satisfies their non physician loan LTV underwriting.

If I could use that money to purchase more real estate and then finance the car I would probably take that option. 

There are many options available, and the numbers pan out much better. 

This is the best option if you have a lot of money but limited time.