It's not just shorter-term downturns to be aware of, real estate just like the stock market can experience 10 year periods of no growth. https://fred.stlouisfed.org/series/csushpinsa

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

Besides the higher down payments, higher interest rates, and potentially shorter terms on commercial loans (all easy to underwrite with a couple calls to lenders), commercial deals in the 5-20 unit range are not much different than a 4 unit.  

The shorter the prepayment term has an impact on increasing the rate.4.

Studies have shown that guests don't want to book for a full week anymore, they'll pay more per night for a shorter vacation of 3 or 4 nights. 

Long story shorter:  Yesterday I did have an appraiser come out who specializes in manufactured home appraisals. 

But shorter term debt greatly amplifies risk.  

If you’re not paying cash for properties, get pre-approved for an investor loan to understand your available credit.Time FrameThe shorter your timeline to achieve your goal, the more upfront capital and credit you’ll need.End GoalMost investing goals focus on replacing their current income, like $5,000/Mo.

The shorter the prepayment penalty period, the more it has an impact on the rate.

@Gash Nookala,Renting can indeed be slower in winter, but here are some tips to boost interest:Enhance Listing: Ensure your listing has detailed descriptions and high-quality photos—consider professional photography if needed.Competitive Pricing: Double-check local comps; even a slight price adjustment or incentives (like a reduced deposit) could attract more interest.Broaden Marketing: Beyond Zillow, Hemlane, and MLS, use social media, community boards, and local business connections to reach a wider audience.Flexible Lease Terms: Offering shorter or month-to-month leases might appeal to tenants during this slower season.Local Property Manager: A local pro can tap into their network and help fill the vacancy faster.These steps should help you find a tenant despite the seasonal slowdown.