Have you looked into what rates you can get on just a hard money loan and how does that compare to the APR on this card?

Plan was a fha land and construction loan for maufactured home.

If they end up being longer term tenants I will ask them to do it at certain times.

My strategy is long term appreciation with breakeven cashflow (for now), so the question is what do you guys think is a better investment long term? 

Purchase price: $390,000 Cash invested: $150,000 Rezoned to allow for ADU and am currently finalizing plans to add a second story and redevelop the 3-car detached garage into an medium term rental with an ADU above the garage.

I currently have student loan debt of $70k that I am trying to focus and pay off completely within 3 years.

You can advertise it yourself and see if youre able to get any potential tenants and once you do I'd advise for you to hire an attorney to draw up a lease agreement including your NNN terms. 

Does it work that way for short-term rentals too?

Not sure if he goes to Austin or not, but I have used Jack Matson - Jax Aerial Photography - for our mid term rental in Temple.

Scenario:A lender had limited communication with the borrower throughout the loan term, resulting in misunderstandings and lack of alignment on project goals and expectations.Mistake:Miscommunication led to issues that could have been addressed early on, contributing to project delays and difficulties in loan repayment.Lesson Learned:Maintain open and regular communication with borrowers.