For something that will be 3-6 months I would say around 10% APR with no points should be solid for short term private lending without giving up too much.  

My family and I are currently working on a project to move a pre manufactured cabin style home in munds park Arizona to sell.

You have to pass a pre licensing test, which the school will administer, which will give a pass for you to take the state exam. 

Now their markets, energy, cars, roofs, space tech are massive sky's the limit type numbers.

One of my personal rules for Sub2 is a good fixed APR rate on the current loan.  12% isn't a good rate - even with decent cash flow, the high APR would kill the deal for me.  

My lender has been telling me that since I have 2 years of short term rental history on my ski condo w/ tax returns I should be able to count 75% of that as income.We're about to see if it's true - just put an offer in on a place 10 minutes ago :)

I am doing a career change (finished a pre-med degree 2 years ago) into software development, and should be done with my second bachelor's in the field in December 2018. 

That kind seemed kind of fishy to me, I thought that fees or point occurred once the loan was actually created not before you even got a pre-approval letter.

0% APR for a year... 3% interest to use it... 90K duplex with Seller financing.

Forgot to mention above that my return didn't get done until 14 Apr after I had everything in to her by 14 Feb.