Yours appears to be a business-purpose (investment) loan.

It is important to remember you own real estate in the Poconos and you are choosing to operate a STR business.

My opinion is a lack of business organization.

I second @Erik Estrada Chase offers great programs for business, multifamily, and conventional loans for commercial properties.

So you’d be hoping to make $200/months for dealing with 3 x as many tenants, vacancies, tenant on tenant conflict, late payments, etc etc. . 

. :) Wishing you the best in your business. 

I've been toying with the idea of adding an ISA to my sales business.

You have every right to be outraged at the offending party and that's the tenant.Stay focused on what matters and that is getting back in business. 

It's easy to bite off more than you can chew in this business and that's especially not a good idea for your first deal.

Attend local builder associations or networking events, and focus on small contractors or businesses without in-house permit expertise.Highlight how you save time and ensure compliance—it’s a big value-add.