creative banking ideas?

[Christian Lincoln]

Have 7 unit college rental. 2 structures. property cash flows well. paid previous owner 100k (180k remaining note) and offered her 8% to hold note until I could refi a few years ago. Time to refi.  Credit score fine, didn't make enough money/salary last year to go to bank to do a refi. Any creative thoughts? Anybody been in a similar situation? If I wanted to safeguard some savings from the Stock Market,  I'd buy the note and get 8 percent interest from me (lol).   In fact, i may liquidate a couple other properties and just lend at 8 percent. But haven't had time to do this.  But want to keep this property, rather than sell.