The property is a great deal so I'm hoping to refi down the road in the event interest rates come down to a reasonable value, then maybe repay most of the personal loan at that time.

There are many different options to house hack in MD, and I'm looking at a few options right now for another buyer.

The 10 doors are also not appreciating because they were turnkey and the 1 door is in a vacation area and appreciating.You should be hunting assets because strong assets give you multiple options.

Cross reference with employers with higher education off linkedin (use an API), and see if there's a correlation between housing prices in districts which are being gentrified, school ratings over that time period, and housing prices (in fact maybe there's another correlation between if these employers work for recently IPO'd companies and are exercising fresh options to purchase real estate).

There are Cash, Wraps, Seller Financing, Carrybacks, Contract for Deed, Lease Options and of course, FHA, VA, Conventional loans, HELOCS and commercial among other approaches.

Try to narrow down your options to the top 3-4.

Although I have knowledge and experience in my local market, I am most interested in some out-of-state options as I like those opportunities better than what I have locally but know little about where to begin evaluating those markets and the pros and cons of the different states.

Your budget of $600k would afford you a number of other options in the Myrtle Beach and North Myrtle Beach markets. 

They have various rates to choose from but I am still looking for a bank with better options.

I recently came across this "FHA construction to permanent Loan" option which seems almost too good to be true, so I wanted to get some input on how this works and where I might be able to find a lender.