Yes there are alternatives for both beige and 30 year loans for no US borrowers.

I would recommending looking at your property through the eyes of the NBA, or Next Best Alternative, to see if there is a market for you property as a mid-term rental. 

Alternatively, if you’re using QuickBooks Online with a plan that includes the "Payments" feature, you can collect rent directly through QuickBooks while staying on top of your bookkeeping

The same unit has different listings for the 1 bedroom and 2 bedroom alternatives.

Alternatively, happy to be a resource should you need help identifying opportunities and analyzing deals. 

Alternative Revenue Streams for Unique Property Features•If your home has unique features (large backyard, pool, modern design, or open space), consider listing it on platforms like PeerSpace for event rentals, content creation, or small business use.

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

Specifically, must this be a commercial/business loan type where you have higher rates and shorter loan life or is there an alternative loan type? 

So, you're actually making the argument *against* debt (not for it).I think you mis-understand debt, risk and the alternatives.

Alternatively, DSCR loans offer long-term financing with lower rates, but they come with more complex requirements.