However I just received a very concerning letter from the Fire Marshall Office saying I need to provide a notarized letter within 5 days stating I will not have more than 12 occupants in the cabin until I change the Certificate of Occupancy which would be devastating to my bookings.  

Luckily this was a super cheap property so I could afford the additional down payment.

With a income of 100K you should be back on your feet quickly, assuming you understand how to live a frugal lifestyle and be investing in less than 5 years.Pay off all your debts, save money by living a super frugal lifestyle and rebuild your credit.

Second offer which is $12K lower than list price, no rate buy down, and seller won't pay the buyer agent commission.Morgage payment with a conservative LTR payment is break even,  Coc is 6.3% , and I'm super bummed that my agent won't get paid.We could put in cash to pay him, but it would come out of the renov + Furnishings cast slotted for the property.Any creative financing thinking from this group on:How to pay my agent AND not dip into our cash funds for prepping the property?

Super accurate.

I think this is what I was inadvertently concerned about (super newbie).

This is super helpful to hear the contractor point of view. 

But hearing your expertise is super helpful  as it's relevant to us here as we start our investment journey into MTRs.Have you had your place 90% rented most of the year, or have you experienced blips in vacancies?   

From there ones like Foundation Mortgage or Guaranteed Rate are super solid.

Some HOA's are super strict (especially in neighborhoods built in 2010 and newer) and some have zero regulations.