I am looking for refinance short term rental.

It's definitely challenging, but networking and seeking mentorship are key steps to success, and it sounds like you're on the right track.

The going rate for short-term private money is 12%.NO private lender can stay in business making loans at half of the market rate!

We feel like this is great business to be mid -term focused. thanksMax 

Successful real estate investing is about research, planning, and perseverance. 

On the other hand if you feel the stock market is going to under perform the 6.8% (knowing that the average long term gain on the stock market is 7%) then you might consider paying off the notes more. 

Basically they are a type of insurance and insurance companies make HUGE profits because they pay out MUCH LESS than they take in meaning that over the long term you will lose money with them.

Have you had any real-life scenarios where you've successfully resolved tenant issues?

The biggest thing I would say just look at the long run of investing here in Ohio, you'll get decent cashflow with some pretty good appreciation

My goal is long term.