I am but a short drive in the pocono mountains / scranton area.

Reason being HML's are typically short term loans that are interest only.

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Apartments are the least ideal living situation for us, so what if we got stuck in a multifamily property we intended to just be in for a short time.

As a investment property lender we saw a lot of success with flips but an even bigger jump in BRRRR success with borrowers holding as long term and short term rentals. 

There is a distinct difference in the law between short term and long term rentals. 

It's a short term lease.

Ultimately, the decision should align with your long-term and short-term goals.

Originally, the entire price of the academy would be refunded if you invested with RTR, but from what I can tell that has now dropped from 100% to only 90% refund (not sure why they dropped it so shortly after launching).

Give me a shout if you have questions, but here's the short of it.Best financing is going to be from a bank or a conventional construction loan.