Also, my backup plan may be to do a cash out refinance and leave some cash in the house but not 100% sure what the best option is yet.

Traditional financing routes are not an option, and a family member is stepping in to provide the necessary cash.

I think this may need to be declared within the trust and as you mentioned yours is irrevocable, it may no longer be an option.

I have 12-doors there and it's allowed me to transition to a work optional lifestyle. 

My mom sold her place and we parked the money in the bank-she's getting more money than she would have if she bought a rental (the other option) and doesn't have to do anything.

If you can go FHA they're doing a bunch of loans now at 3.5 - 5% down so that could be a great option. 

Rent vs AirbnbI’d prefer renting the property out but with Airbnb we have the option to still use it when my parents are back in the US or I’m in town.Background: my dad/mom live overseas and stay in the house once a year for 2-3 months only.

I purchased this townhome along with several other investment properties to rent out as STR’s and mid term rentals to offer higher end options to stay the night in our town and enjoy the restaurants, shops, pubs, etc.

For this reason, I am thinking my best option would be to buy a SFH and rent out rooms.What are your thoughts on this?

Seller financing is an option and may be a good option if you can find the right people.