Searching for creative solution to refinance hard money loan

[Deborah McLeod]

I am self-employed. I do not have 2 years of income history for either of my multi-family airbnbs. (only 6 months on one and none yet on the new one.) 

Is there any advantage to letting my one long term renter stay an extra two months to create a history of 12 months of renting to her? I was going to not renew her lease which ends in October so I could re-hab into airbnb suite. But is there an advantage to wait 2 more months and have a 12 month history of rent for the 3 unit house? The other two units have been airbnbing really well, but not enough history to do me any good.

How do I get out of a hard money loan as fast as possible when I can't do a conventional mortgage? Are there investors out there that are willing to loan for a 5% return over 30 years considering bonds are terrible right now?