An 80% occupancy rate indicates low demand. 

Get some gift funds to help with the down payment if you can.

While I do maintain a relatively modest percentage of my assets in money market instruments, corporate debt funds, and high dividend stocks, I remain most comfortable with the investments I specialize in and know best.  

In some cases, federal tax credits like those for low-income housing or economic development might also apply if the project aligns with certain goals.Instead of buying the land outright, developers often lease it from the tribe, which can reduce upfront costs and sometimes come with favorable lease terms.

Should I price the land 2 times above market value and offer a low interest rateORPrice the land at current market and use a very high rate?

I am 59 years old, and my retirement fund is all in my 401k.

Also, what are some other low cost amenities that I can add to my STR that will yield a higher ROI?

Since you’re still figuring out where to invest, look for areas with strong rental demand, good schools, low crime, and potential for future growth.

Control and Flexibility: With an SDIRA, you're not limited to stocks, bonds, or mutual funds.

From 9/9 to 9/18, I struggled to get to funding with them.