With me not being on the duplex as a co signer it is rasisijg the interest rate 2% higher than what the average rate is or has been going for.

Especially combined with the high interest rates right now. 

I'm okay with a high interest rate up to 15% because I can still breakeven on the mortgage but not sure how to finance this deal without losing my initial payments

As an agent I’ve helped at least 50 people buy a successful STR the past 2 years - so all with todays prices, todays competition and todays rates.

Nightly rates, occupancy and amenities.

HUD targets average rents for an area, so just like average school grades, this typically translates to Class C property rents.In our Metro Detroit market, the MAJORITY of the claims about getting higher than market rents can be traced to a Class D Neighborhood/Property. 

It gives you insights into occupancy rates, average nightly rates, and revenue potential in your target area. 2.

Are there tenants looking for mobile homes to rent, and what are the going rates?

(Not being a vet I’m not sure of the interest rate difference but know that the 3.5% down FHA is often worse than a conventional 5% down.).

Interest rates don't help, but investors were also successful in the 80s and 90s with rates in this range.