Thank you, kind sir!

If they pay late now as is, let's say they lose a job or have a temporary loss of income, you're kind of SOL.I would look to build reserves between now and August.

What kind of auction?

If anything explain that there is a fee on top of a lifetime charge (which on its own is kind of weird), but okay. 

You mentioned "The only problem is that these are 6 month lends, I'm 1.5 months into this, so any work that I do now will not reap any kind of benefits until 6 months from now."

So if your investing that full $200,000 getting that kind of return and you currently have almost no monthly expenses I would advise you to double down on what your doing and let it ride for as long as you can.

I have heard of cabin / mountain market STR operators doing some kind of hiking package, or way to connect a guest to a private tour guide for an "upcharge" which gives the hike tour guide an income and the STR operator a nice upcharge too. 

I am actually kind of astonished by this.

Appreciation kind of lags compared to other places further east in northern Alabama.

Plus, I get to experience all kind of great people, food and culture in the meanwhile.