At most MLS prices, you will not even cashflow $100-150/door with a 20-25% down commercial loan.

I've had such bad experiences in the past with dogs in a different fully furnished short term rental where we originally allowed dogs-- swimming in a decorative pond and disconnecting the filter, killing the koi, chewing up a couch and other soft furnishings, scratching a newly installed hardwood door and ruining the finish, digging giant holes in the yard and landscaping.... thousands of dollars of damage, really, in a very short time, which is why I have a strict no pets policy, and am particularly nervous about dogs on the property.

Just a standard conventional loan?

We installed tread tape on the stairs.

We'll restore the riparian zone and install year-round water for wildlife (deer, elk, bear, wolves, and more).

Someone who can structure hard money loans and JV deals.

I'm not sure what laws you think are unclear, but the loan requires occupancy within 60 days.

What loan would suit the purchaseIn my early 30s, I often wished my parents had told me to buy a house at 18.

Both houses we used Va loans. 

You can use the cash value in the policy as a source of funds for financing, and it is an asset and liquid through withdrawals or loan by borrowing against the cash value.