It looks like Airbnb may be a good option as well. 

Have a good attorney who is familiar with the laws in the local area so they can tell you what your options are to mitigate risk in the deal2.

Acreage with additional structures is probably not an option.

My guests from there are typically older, but higher dollar reservations.

No, do not want separate applications just looking at all options.

What other lending options have you explored? 

Option 1 is to go back to your lender / broker and just say, "I can't get that, what else will work?"  

The only change to the existing law was to expand the definition of "Provide real estate brokerage services" to include the following:Regardless of whether the activity is engaged in for another person, engaging in the buyer or selling, offering to buy or sell, or marketing of real estate or otherwise dealing in contracts, including assignable contracts, for real estate or options on real estate, on two or more occasions in any 12-month period.Principals buying and selling on their own account clearly fall within this expanded definition.

Also, there are optional coverages that you can take off to lower the premium!

If you know of any local groups, events, or online communities where I could meet others who share this ocus on educating yourself about the market and financing options.