With your determination and capital, you're well on your way to success!

If the average home price is $1M, and you want to get in the business of helping homeowners transact... getting a license seems like a way more obvious path to success than wholesaling. 

I love the platform but we have a large portfolio and customer base it’s turning away not being able to submit applications successfully,

I would just go with Florida, you can jump on Sunbiz org and complete the company info, and fill out your articles of inc. 

Does any one have experience with direct mail marketing companies like Wise Pelican, ReminderMedia or Mailchimp?

I have brokers lining up some pre-approvals but wanted to see if anyone has had some local success with conventional financing or some type of rehab based loans. 

Those are money makers for companies.

I would recommend researching companies before you join to see if they align with your values.

Good companies have problems. 

Before making any decisions, review the information provided by San Francisco's Office of Short-Term Rentals website, consult with local experts such as real estate agents or property management companies that specialize in STR.