@Liran AferganIf you are spending $10M a year on real estate using the top software at $10k a year seems very reasonable

Someone living there seems crazy but great job clearing it up looks a lot better!

Nashville seems competitive but a house hack doesn't have to be a home run :)

the shenandoah area seems to be the new 'secret.' as a former str host, if i was to buy one again, i would..- not buy in a seasonal market, or if i do, ONLY expect to generate $$ in the peak season when i run my numbers- buy something with very low overhead (not an expensive SFH)- make sure it cashflows as a LTR (have a backup plan)- do a more creative stay (glamping, redone vintage camper, etc)

I have finally saved a decent amount to begin this process and now I seem to be stuck. 

Your points seem a little high but again it's an $80K loan so its a price you have to pay for those smaller loans.  

Welcome to BP but seems you are no stranger to the RE business.

It seems to me you have three viable options at the moment.1) Non-renew. 

It's been slower this winter than previous winters seems like just the top rentals are busy though.

This all seems like a bad idea for most private lenders let alone novice ones.