How can I keep my options open (wrap or flip)?

[Rivy S.]

I'm currently working on a property in Garland, TX.  It was a cash purchase and rehab.  My ideal exit strategy for it would be a wrap.  However, in order to do the wrap I obviously need to secure the loan before I list the property for sale.  The thing is that if I don't find a buyer who wants owner financing, I would also like to be able to sell to a buyer with conventional financing.  The problem with that is that you can't pay off a conventional loan within a few months of closing the loan (9 months I think?) or the lender incurs a penalty. So how can I keep my options open so that I'm not tied to one specific exit strategy?