While you do have some options, from basic research, I am not sure you are going to find anything below 20% down on an SBA loan.Anecdotally from talking with friends in the business and from a prior role where the company was trying to finance a corporate retreat hotel (admittedly in 2012), the financing of hotels in general seems very, very hard.  

No need to throw away the value of this experience by retreating.

A couple weights and yoga mats with a mirror, nothing crazy. 

It would be an awesome spot for family reunions, weddings, celebrations, masterminds, corporate retreats, etc.

They’re doing really well catering to the mountain retreat/nomadic worker crowd and skiers coming to Eldora, not so much gamblers from Black Hawk/Central City.

I will be hosting a mastermind retreat for experienced millionaire investors (100 or more REI deals) out of my properties in Costa Rica in April.

We used to have crack houses, with the retreat of crack and the rise of meth and opioids, we now have trap houses.

This is a unique opportunity to have a derisible open layout and retreat in privacy, while still being located in the heart of it all!  

We're somewhat in a similar boat - wanting to finish out a guest house on our land - that we can do some AirBnb to help with the expenses - but have for friends/family and even some home office/retreat space.

Bien Nguyen Sweet Retreats Vacation Properties LLC