It is still under construction, haven't even gotten to a pre-drywall inspection phase.

Areas I am looking have skiing/snowboard, golf, lakes, snowmobiling, etc. so I feel it would have a year around customer base that varies with the seasons.

Class D -yesClass C- maybeClass A,B- no I would recommend doing a pre final walk through so you can prep the repairs in a timely manner. 

Anyways, I didn’t even notice until recently she wasn’t paying and my dream home came available and I got a pre approval and it’s under contract.

They are in a ski area of Colorado.

Its Located 15 min away from a local ski mountain.

Get a pre-approval from the conventional lender so at least you know you'll be able to refinance and have an understanding of the terms.

Can I get a loan from a hard money lender with a pre-qualify letter from the bank so I can pay cash for the property then take a mortgage and pay the money back to the hard money lender?

You must have a pre-existing relationship with the investors and you have to be very careful in your communications to gather additional investors.With a Reg D 506(c) offering you can only have accredited investors but you can advertise.Those are the most common SEC exemptions.