I personally would be careful trading options with borrowed money… seems like a risky proposition.  

Lake homes are often close together and when you are there chances are your neighbors are not, so you have relative privacy.

You will want to view the property in person before conditions are removed. 

Is there a way to get in personal contact?

A person came by and was interested in renting it out and was willing to put some work in it.

Apology:By the way, I spoke personally with the seller about it at DME.

Don’t waste your time with the large banks, you’ll never get to the right person unless you operate a hedge fund and are going to buy hundreds at a time.I found small local banks work the best.

I have 3 properties in my personal name (to get best rates).

Make sure you have personally spoken with the tenant, maybe since you are new owner they don't know where or who to pay or paid the previous owner. 

Who should that person be?