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I also totally agree with what you said about response rates varying by market.

She has "trade accounts" that get her discounts as all kinds of places for materials like flooring, fixtures, cabinetry, etc, so it nearly pays for itself.

You are estimating using financing at today's rates, BUT over time you will likely be able to refinance to a lower rate.

We are now upon April 2024, and at the rate things have been going, still have a ways to go (finish ducting for forced hot air, insulation, sheet rock, paint, flooring, kitchens, bathrooms, finishes, and anything I am missing to bring the units to whole).

Interest rates were very high in the 80s and 90s.

You could partner and offer a preferred equity position (i.e. payment of a set interest rate on a monthly basis + some type of fixed annualized return when you either refi or sell).But with either option, which are your most realistic options for this deal, you will have to show some significant upside.  

The Oklahoma property has a 10.25% rate on it currently.

It looks like there are about 1,200 listings in the "Village of Four Seasons" section near the Bagnell Dam.The entire area rates really low for seasonality, so you may consider how much a week in the summer will actually cost you if that's your "break-even" time.Happy to give you more data if you're eyeing a specific property or ZIP code.

You want to know where they have studied, how often have they done that procedure, how amazing is their success rate etc. etc right?