The FHA loan house hacking wouldn't work for me for at least a year due to me having a year left in college.

If the cabin were cash-flowing, we might use the excess cash to continue paying the loans over time and bet on the equity growth to continue to be a positive for us.

Hi Alex,Like my colleague mentioned, you could either purchase the property from your grandmother, but would need down payment / reserves to support loan requirements or have your family add you to the title of the property to meet minimal seasoning underwriting guidelines to refinance the loan in your name. 

The structure has been we are loaned the money at 0% but the lender is getting a big chunk of equity.

I found Bluprint Home Loans.

Imagine this on a large scale where people depreciate $10Million  the government gives them a 30 year, zero percent $2.5Million loan  pretty sweet eh?

Loan, put 30% down.

I would use the new FHA loan and apply for that.

Speaking from experience you do not have enough Capital to do a successful BRRR unless you are using a construction loan.   

The property is in pinellas county (clearwater)   The folks above are correct that you can check out the county recorder's office / public records, which may entail having to go down there in person during gov't work hours.You can also ask your realtor or loan officer, who may be more available, and can send it to you via email.