There are some creative finance options, like adding renovations to the property, which can help bypass seasoning requirements or programs that will allow 90 days. 

I use Quicken for my personal finances and to see balances in business bank accounts.All my rental and expense stuff I keep in Excel.

It's also convenient that you live close to the property, which allows for easier management and oversight.As for financing, I understand that your bankruptcy in 2017 has posed some challenges for securing a loan.

It seems like only banks are financing property investments

I personally, would never rely on an appraiser's opinion (other than mine of course), in assessing a deal, but unfortunately, they are an integral part of the financing and that should be taken into account.

They are also much easier to finance versus manufactured or Mobile homes.  

A lot of people will tell you, and they are right, when you do a small down payment, finance, and str the house you should be happy to break even and have a vacation house that someone is paying for you.

How did you finance this deal?

My Aunt and I had a talk she is willing to sign land over to me if I get financing she said she will not finance a multi million dollar idea.

Definitely this isn't something you are going to get conventional financing or FHA financing on.