Biggerpockets also sells a Landlord Package that includes a lease and several other forms, specific to your state, written by actual investors, and attorney approved.

Also, you could check out AirDNA which has great stats for short-term rentals.You do have to register with the city of Chicago, Airbnb makes it pretty simple but as @Brie Schmidt mentioned there are specific requirements to get approved. 

(I recently bought a home and my pre-approval was only that high) So I realize even if I do get hard money up front, I wouldn't be able to refinance after a year because of that.

There will always be just one more project he wants you to approve.

If you prefer to work with another loan officer/lender, as long as you have been fully pre-approved, I don't care and I'm not going to lose a closing because of it.However, there is one lender where consistently I have had problems across multiple loan officers. 

Between Covid delays for permitting, construction delays to keep bringing the inspector and engineer back in as we found more and more structural issues, then amending the plans and waiting on them to be approved by the city after each amendment, plus a GC I hired that lied about his level of experience and took forever to finish plus ignored every material selection I made and ran with his own finishes that were mostly bargain basement closeout garbage, it took a year and a half to get this from acquisition to stabilized. 

Is it a contract that I can print online, or do I need to create it each time specifically for the deal and get it approved by a lawyer and title company?

I can say that as soon as you get an offer letter for a job in the EE field, you'll be able to get pre approved quickly.

Lots of other factors are considered, but you should have no problem getting approved already owning a primary residence.

The whole foundation system is modular and installs in 1 day.We do meet state and city requirements and have approvals in Sonoma, Marin, and a few other counties as well as working to get approval for a primary dwelling in Mill Valley and Fairfax.The structure can be disassembled and moved easily because of how it's designed but it's far too big to be considered "mobile".