Your situation (different country, Airbnb income, longer hold time) may not fit this model exactly.Negotiating Better Terms:With the bank: Shop around for better rates, consider a larger down payment for better terms.With real estate agents: Offer exclusivity for a lower rate, or consider handling the sale yourself if legal in Georgia.Holding Period: Given the strong Airbnb cash flow, holding longer could be beneficial, especially if the market is appreciating.

Am I thinking of converting this property for SRO/PadSplit model where refinancing may be harder to do because of property improvements I have made?

Carefully financially model this, so you make a profit.5.  

I have a building that I recently modeled.

Brokerages may need to adjust their business models, which could open up opportunities for cost-efficient, flat-fee models or other discount real estate services.

But obviously, we have spent the better part of 20 years on the buyer's side of the table, so we are looking for some general advice, tips/tricks, or even the pitfalls of setting up a hard money lending arm to augment our current business model. 

Supply data and forecasting, unlike demand data and forecasting, is easy.

@Badri MalynurThere are 100’s of funds that start at $10 or $100 now and do not require to be accreditedI am also not a fan at all of the fund of funds / customizable model as when the deal goes bad you are several levels from the sponsor and just paying a middle person fees that are not needed

There are two basic models. 

Model Accountability and Integrity Lead by Example: They hold themselves accountable, demonstrating responsibility and integrity, which sets the standard for the rest of the team.