On the rental side, say you take a loan on 150k (75% LTV) at 7.5% rate.

Either way, if you offer a good product at market rate you should be successful.

An example is the money goes into a trust and then is paid out over a period of X-number of years at the gift tax limit each year.She can charge you whatever interest rate she wants.

Following this, both the Average Nightly Rate (ANR) and occupancy experience a slowdown until the beginning of February.February - Marked as the high season, February consistently stands out as one of the best months due to favorable weather conditions in Florida and colder climates elsewhere.

If you cash out 100% of your funds, you are most likely not going to cash flow with how high the rate would be. 

I'm curious if this uptick is due to many investors being involved in hard money loans and now facing the need to refinance, unexpectedly encountering significantly higher interest rates compared to a few years back.

This increase is due to a mix of legal work that has been done since the holidays and bigger economic reasons like rising interest rates and inflation. marking a cautious and important time for the market. 

With the drop in interest rates and the easing of the Fed's interest rate policies, there's an anticipation of a more favorable lending environment which allows investors and home buyers to be more considerate of buying properties.

I know construction loans have really high interest rates, around 11% , so is there any way around this??

Just a simple math:Let's say I buy a home for a million dollars, with 20% down and 30-year term    interest rate = 5%     +    property tax = 1%    +    maintenance = 1%    -------------------------------------------------    = Total 7% annual costs of owning a house Now, during the 30 years of owning the house    Average homes in American appreciate 5% annually     -     Inflation runs 3% annually    ----------------------------------------------------------    = 2% gain annuallyThose are just rough numbers.