Is there any chance of getting a residential loan on this?

I've never stayed in a hotel or short term rental where I couldn't control the temperature.

Based on my experience working with real estate investors and property managers, here are some common arrangements for local handymen and maintenance personnel for short-term rentals:On-call basis:Pay a set fee per call-out (e.g., $50-$100 per visit)Hourly rate for time spent on-site (typically $50-$100/hour)Additional charges for parts or materials usedRetainer agreement:Monthly flat fee (e.g., $200-$500) for basic availabilityAdditional charges for actual work performed beyond a set number of hours or visitsPer-task pricing:Agree on set prices for common tasks (e.g., $75 to unclog a drain, $50 to replace a lockbox)I like the per-task pricing as long as your maintenance calls aren't super frequent.I'm also a hard money lender if you're looking at a new deal to get quotes on soon or if you're looking to refinance a property soon!

The loan amount is $220000, and the estimated Zillow price for the home is $600k.

It's set to open in 2026 - I think that will be big for that area and short-term rentals.

I am a beginner investor, I started off house hacking but due to my occupation I had to move and now that is being used as a long term rental.

They have been long-term tenants, and the prior landlord was apparently chasing the rent quite a bit. 

Those sales may happen off market between you two, or may have creative terms, but really you're negotiating two separate sale both of which only happen if you both like the terms.

Now both sides are long term rentals for me.

You begin to acquire properties to hold for the long term, creating a steady flow of passive income.