Aside all that, as others mentioned, you didn't lend enough info to give any specific answer to your specific situation.

off-market deals can sometimes be the most emotional situation you will encounter. 

Also, any insurance claim for a burnt house will take a minimum of 2 months of investigation and it can go to a long *** court case depending on the situation.

Just keep in mind each persons situation is completely different and small things can make a big difference in rates, fee's points, terms, etc. 

To have a successful STR I HIGHLY recommend listening to this episode of a podcast: https://podcasts.apple.com/us/podcast/on-the-market/id161508...Once you listen to this, and any highly involved STR operator will agree, you will find a lot of the fundamentals are lacking in Kissimmee or you have to have deep pockets to hit those.I won't spoil the episode, but if you listen to it (and anyone out there that does) feel free to DM me afterward and I'd be happy to talk details tailored to your situation on if you're on the right path or maybe I can help.

I am in a similar situation.

Depending on your exact situation, you could likely get something closer to 7% and make these numbers work a little better.  

@Brandon Robertson Interesting situation. 

For example, my appliance store gives me a 10% discount, so I charge a 5% markup to my owners to make a little money and the owner still saves 5% from retail. 

Get a big downpayment so that the buyer doesn't end up in the same situation 5 years from now.