In addition, there was a section for private money lending, which is now locked away, unless you send your "deals" through the admin staff for them to review before sending it out to the other "flipsisters" private money lenders. 

Also, check out DaVinci Locks. 

You can handle showings with a lock box or open house.

Freddie Mac SBL (Top Markets)Loan Purpose: Permanent Financing (Refi & Acquisition)Loan Proceeds: $1,000,000 - $7,500,000Loan Sizing: 80% LTV; 1.20x DCRAmortization: 30 YearsLoan Term: 5 / 7 / 10 Years (Fixed); 10 / 20 Years (Hybrid ARM)Partial Term IO: Available @ 80% LTV; 1.20x DCRFull Term IO: Available @ 65% LTV; 1.35x DCRRate Types: Fixed & Hybrid ARMRate Lock: At Loan ApplicationNon-Recourse: Non-Recourse w/ "Bad Boy" CarveoutsPrepayment: Greater of YM / 1.00%Rate Buydowns: Up to 2.00% Assumable: Yes - Assumable LoanCash Out: Yes - Cash Out AvailableFANNIE MAE SMALL LOANSLoan Purpose: Permanent Financing (Refi & Acquisition)Loan Proceeds: $1,000,000 - $9,000,000Loan Sizing: 80% LTV; 1.25x DCRAmortization: 30 YearsLoan Term: 5 / 7 / 10 / 12 / 15 / 30 YearsPartial Term IO: Available @ 80% LTV; 1.25x DCRFull Term IO: Available @ 65% LTV; 1.35x DCRRate Types: Fixed Rate Lock: At Loan CommitmentNon-Recourse: Non-Recourse w/ "Bad Boy" CarveoutsPrepayment: YM; 3 Mos. @ 1.0%; 3 Mos. @ ParRate Buydowns: Up to 2.00% Assumable: Yes - Assumable LoanCash Out: Yes - Cash Out Available

Here is what I proposed:Setup fees : Administration Setup:One Time Fee: $400Guidebook: Using professional photos give the guests a professional tour of the house and how the home works (Wifi passwords // How to use grill // How to use propane fireplace // Hot tub instructions // Sauna instructions //Check in and check out instructions //where extras may be storedOTA (Online Travel Agency) setups: taking professional photos and actively updating your listing on popular platforms;PMS (Property Management System) Setup Smart Pricing Set upWebsite integrationOther (furniture arrangement / design / décor shopping and set up) $50 per hour· Placement fees · Marketing Cost: Variable depending on needs/wants for marketingFacebook AdsGoogle Ads Cleaners: Set up procedures/take pics of expectations· Management fee—30%Guest communicationCleaner communicationSetting Rental rateDealing with small maintenance issuesBooking CoordinationSmart Lock integrationKeeping supplies stocked (TP, paper towel, all cleaning products, coffee, filters, creamer, sugars, teas,)(Receipts would be submitted on a monthly basis for either reimbursement or book keeping purposes)Encouraging guests to leave good reviews by periodically checking in, providing a review template, and ensuring guests receive the amenities they are looking forContinued marketingMajor Maintenance fees—OwnerCleaning and laundry services fees: Cleaning fee to the guest depending on how cleaner wants to charge

Get 30yr lock at 6.25%.

I get my increase sooner and lock them in for a fresh 12 month period. 

Just have the key locked up somewhere with a combination.

You'd need to look at how much this loan would cost you, how long it would take to recoup those costs...if you lock yourself in with a 5 year PPP and rates drop in 2 years, you're going to end up having to pay a hefty fee if rates drop and you decide to refinance.

However, given the recent rise in interest rates, if you're locked in at a 3% rate and the market is now at 7.5%, there's a possibility that the bank might call your loan if you've violated the loan covenants.