We receive stock at certain intervals/milestones, can buy it at a discounted rate, receive payments when our downline makes a sale (which comes from the company's share of the deal, not the agent's), and have an amazing culture of supportive collaboration like none I've seen in any company, much less real estate.

My current APR is 7.15% I'm pushing towards the HELOC because lower cost on closing costs and refi interest rates are the same as my current loan right now. 

Look on Airbnb and see what the competitors calendars, nightly rate, and amenities look like, and it should give you a pretty good idea what the numbers would look like for that home. 

As mentioned, your taxes will be higher than the number they gave you as homesteads are taxed at a lower rate and you’re not living there.

The rate quoted was 8.875% so I really want to stay close to that as well.

We should see rate cuts in 2025, so there should be relief on the way.

Pretty much any market right now is going to seem overpriced when you look at price to rent ratios and it's a rocky time to start flipping with rates doubling in a couple months.

The property is a great deal so I'm hoping to refi down the road in the event interest rates come down to a reasonable value, then maybe repay most of the personal loan at that time.

As others have commented - DSCR Loans tend to be a great solution for people in your exact scenario - fed up and tired of giant hassle and paperwork for conventional or bank financing - not worth the often pretty small benefit in rate or terms.Check out this article I published last year on BiggerPockets on what to expect documentation wise for DSCR Loans - they have become a nice blend between solid underwriting and doc sets needed, but not too much (and not too little like notorious "no doc" loans)https://www.biggerpockets.com/blog/what-documents-do-you-nee...

What’s the interest rate?