I'm coming from the build and hold, short term rental, and commerical space mainly in partnership with someone.

If it is commerical you needs to decide whose property it is are you going to buy or are you going to work for a large company. 

I am using it as an AirBNB and plan to expand into commerical real estate.

One can do lending of a commerical nature in about 32 states legally the others you need to be an MLO and NMLS registered.

Hard case to win, I think your only option would be a commerical loan.

I did not have to be concerned with any future tax liability down the road - this money was mine “free and clear”.By all means investigate options, but there is value in simplicity and freedom with having cash in the bank.One potential option would be after paying for your new house, invest the rest of the cash in commerical RE, do a cost seq, and take the 100% bonus depreciation.

We would normally grab an FHA which would solve all our issues - but we cant qualify using our income anymore.This presents an issue - I cannot for the life of me find a commercial lender who is willing to let an owner move in, regardless of timeframe.This wouldn't be such a big deal if we could, say, get a commerical loan now, then refinance in 1 year as FHA and owner occupy.

They are just taking advantage of the system. one reason I have moved to small commerical buildings that I rent to doctors offices :) and or frankly we just rent our money out and collect payments still have some issues with teh volume we do nothing is perfect but we do skip the tenant drama.. also had a MTR in Vegas that worked really well.. charge double rent 700 plus fico and up until the last tenant everything was fine we had some issues with the last one but we are past it now..

Are there any free websites that offer zillow or realtor.com level of information on commerical properies? 

Commerical brokers who really got it going on are much more likely to hit that 7 figure income figure just based on selling 2 to 50 mil deals.