Buy them well so you can refinance out the downpayment with a Home Equity Line of Credit with lenders that will do that for you and go shopping again.

I am going to go shopping and buy everything and then go back to her house and I am going to have her supervise me all the way through till I have a  beautiful cake on a plate  . . . 

I was shopping hard for an OOS opportunity last summer in GA and honestly grateful I went 0/15 on offers.

Maybe shop around for different banks.

Where are the good STR locations on or adjacent to Lake Michigan? 

I believe that within three years, rates will be much lower, and you can refinance.Another consideration is that once you get a property under contract, you should immediately shop around for better rates.

Most home buyers don't shop loans and just take whatever the mortgage broker is selling them.

We use Hospitable as our PMS for automated messages and calendar syncing, PriceLabs for dynamic pricing and market analysis, Minut for noise monitoring, Schlage Encode locks, Ring cameras, and the Google suite for shopping spreadsheets and owner monthly invoices.

Quote from @Hunter Hanlon Taylor: I ended up using The Mortgage Shop, LLC! 

The reason is there is usually a resturant or other retail shop there and now you have customers you would never have that WILL spend money while they wait 20 to 30 minutes to charge.