Setting up a refinance with an escrow would be fine, but if your ARV is only 75k, then most groups would do 70% of ARV, which after your 7500 payoff and closing costs, puts you with an escrow around that 40k mark. 

This deal has massive upside and I could not pass it up.

I'm coming up on 2 years of income produced by the property, any suggestions on how to get a lower interest rate without using personal income?

I have no idea whether these are or are not allowed in OH as I don't lend there, but a loan with a 2 or 3 year prepayment penalty would likely have lower points and fees because you are basically paying that penalty up front as a fee in this loan.

You should check out Hospitable as they can help with all of that and are perfect smaller hosts. www.cameronranchglamping.com is one of mine.Hospitable link to sign up! 

Key lessons learned: use a cost-per-square-foot estimate from previous projects rather than relying solely on GC quotes, as they often underbid but end up costing more in the long run.The property is under a 2-year lease at $1,750/month.

(Which actually matches what really happened...you didn't pay anybody, and you didn't receive any pay for your stay.)Kind of like getting paid to pick up your own Door Dash order lol

We can do up to 80% cash out plus our rates just dropped for long term DSCR's.

Don't give up, not everyone who answers the phone knows. 

My goal is to avoid luxury or extremely expensive communities, as I believe the rental income wouldn't justify the high property prices.I'm particularly interested in up-and-coming neighborhoods with significant potential for property value growth.