@Linda3817
First of all, if I may offer a bit of general advice: Don’t retire unless you are well into hosting your property and understand completely your expenses and occupancy vs. your income. This business is sometimes not as lucrative as it might first appear. There are also lulls (to put it mildly) that occur during recessions, pandemics, etc. during which time your income from short-term rentals will become completely unpredictable. Have one or more backup plans for getting through these lulls.
As far as loans, grants, etc., the Federal government does offer some programs like the 203K loan, which is an FHA purchase or refinance program that wraps your remodeling costs into your mortgage. The last time I got one of these loans was 20 years ago, so not sure if it is still being offered.
Also, you can pursue a “home equity line of credit”, which will allocate monies for home improvement projects with the equity in your home as collateral. The money is lent as you incur the costs, which is nice because you don’t have to make payments on what you haven’t used yet.
Of course you and the property have to go through a qualification process for either of these types of loans.