Have built a couple dozen homes since my early 20's, on the side as specs and for us personally. 

I will have capital gains at the short-term rate based on my income tax rate for the third interest I acquired because I will have had the property less than a year at the time of closing.

Don't make your life more complicated than it has to be.

These have the highest rent to price ratio and have minimal cap ex since they are new.Another option would be to buy a short term rental, but that is going to be more expensive and is more active than long term rentals.

Markets like Cleveland, Dayton and Toledo will be better ohio markets for cashflow than Columbus which can cashflow but is also more on the appreciation side @Ivona Villanti

The larger bedrooms had a couple in it for the entire month, while the other turned every few nights on average.

Any thoughts on more creative financing other than taking money out of my personal house?

Interest is the cost of borrowing money and, as the article says: “As long as you’re making that money work for you—for instance investing in other property—and your rate of return is greater than your cost of the HELOC, it’s a good tool”I am paying roughly 4.5% to borrow money on a HELOC that is making me a minimum of 20% on my investments.

My next issue is finding a hard money lender who will lend less than 75K. 

You can read books about estimating and find calculators online, but the best way is just to do a couple projects and see how well you are doing.