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.

A mortgage payoff in 5 years at these interest rates is indeed possible. 

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

So if you look at furnished finder etc to find travel nurse rents, and look at area long term rental rates for the area you are considering you will get an idea of what will work financially.