Remaining and growing cash only got some CD interest.

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.

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

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.

This would give you the flexibility of renting the other 2 bedrooms out to people you know/have already vetted -- while also some control over the unit as well.

Absolutely, alternative lenders are definitely filling gaps left by traditional banks, especially for investors who need speed, flexibility, or deals that don’t fit conventional guidelines.

The first and only one remaining has turned into a home run.  

Start with your life first.Before evaluating the next deal, define the freedom you want: time with family, travel, flexibility, or whatever matters most.

The rate is important, but I think going with a low point/no point option works in your favor with a shorter, flexible prepay than a hard penalty with higher points.