Although I have guidelines when selecting a tenant, but because I am the one interviewing and usually showing the property, I have the flexibility to cut corners when my gut says so.  

Flexibility and lower maintenance are huge pluses, especially in today’s market.

Mixed-use or inn-type properties sometimes qualify if a decent portion of the income comes from residential rentals.Many lenders balk at high DTI or strict zoning, but there are more flexible private / DSCR lenders who focus more on property cash flow and less on standard commercial bank requirements.

Traditional financing is improving with easing rates, but many investors I know are still mixing in alternatives like DSCR loans, private lenders, or joint ventures to stay flexible and competitive, especially in tight markets.

Good flexibility if you’re planning project-by-project investments.Home equity loan is more like a second mortgage — lump sum, fixed payments.

I recently learned about “partial note sales,” where note holders sell a portion of their payments for upfront cash but keep the rest later.It sounds like a flexible option for both liquidity and long-term gain.Anyone here structured or purchased a partial?

Or DSCR, but that would usually come with a Prepayment Penalty of some kind, so a 'Cash Out Bridge-to-sell' option should work.A lot of options could still take about 25-30 days or so to close but you would have some more flexibility on the credit score side of things.

If the rate and costs on your current mortgage are solid, don’t rush to refi just to chase a rental; instead, consider a HELOC for flexibility, then only pull cash if you have a specific, cash‑flowing deal that works at today’s rates with full expenses and reserves baked in.

You’ll find programs that go up to 80% LTV on cash-outs, no tax returns, and flexible prepay structures — ideal for paying off private or hard money lenders. 

Since I work in the lending sector, I see how the right approach can make deals like this possible.As for seller financing, the agent is usually your first point of contact, but you can also try to reach the owner directly if you want to explore terms more flexibly