most private lenders would go to about 75% of the purchase price the other option is to see if you can find a seller willing to hold a note for a portion of the last 25% (maybe 10 to 15%) and you can come up with the difference but most lenders want you to have some skin in the game as well 

I feel like its fairly simple--spray the ceiling w/ some water and scrape down the texture. then skim where you need to and paint it flatI ask bc I've gotten 4 quotes:-$500 to scrape and skim if needed-$400 to scrape and up to $300 to finish/skim-$1750 to scrape and skim 2 coates-$1375 to scrape and skim Such a huge gap. is there enough to mess up here that i'd need to pay over $700 for 865' of ceiling to scrape and skim?

At least as an owner with skin in the game, there is motivation to vet short term rentals guest, limit the number of occupants per unit/bedroom, keep the property in good condition with maintenance after every turn, etc. 

That being said, having "skin in the game" would give you the best change to receiving non-traditional financing for your investment property.  

That will keep some skin in the game in case they bail on you.Maybe do month-to-month with your next tenant to give you flexibility on when you want to move. 

I'd loose the cash flow, but I'd have a huge chunk to go after a multifamily and have skin in the game for raising additional capital.  

Potential $1000Tenants pay Gas/Electric/Water/SewerExpenses:  $2824 (we use the BP calculator so this includes everything)Potential Cash flow ~ $950 including our rent for the hack and the office conversion.We have no skin in the game. 

This is why the Banks always want skin in the game.

Then comes the job of matching the texture. 

Then the random hard money folks will be more willing to lend after you have a proven model and some skin in the game.