Look for a local credit union that can offer a cash-out refinance once the work is done, ideally with minimal seasoning.

Seems like I dodged a bullet. 

Points I can roll into the cost and don't mind a buy down if necessary.My primary concern is the bleed rate monthly for the build, Airbnb stabilization and the year after while we season it and prep for final financing for long term hold.

You can also put it on furnish finder and try to get a medium term rental until busy season. 

Rent out in the busy season.  

It was kinda pricey so I swallowed the bullet with a property manager to avoid headaches.  

For example is a personal loan from a bank is 7.5 % that you could use as a down payment (after its seasoned), and your 401k loan is 4.5% but the 401k is expected to return 7.5% per year the money you save on one end you miss out on the other end basically and if your 401k returns are 20%, then you lose out significantly. 2.

Tis the season.

Those non-cash expenses definitely helped us out during tax season.2.

I could see fully comping 1-2 nights at low season rates, particularly if one doesn't have a lot of reviews yet, but would you, as an established host with tons of reviews, comp a full week or more of a prime season stay?