Hey Lenders: Seller finance for one year, now what?

[Kameron Yellin]

I purchased two duplexes last year, next door to each other. I VA loaned my first one and seller financed the other. Now almost a year later I am ready to move again because my owner occupied loan requirement is complete. My plan is to move into the other duplex so I can qualify for owner occupied loans.

The seller financed note is 10% down, 8.5% interest, 5 year ballon over 20 or 30 years. Appraised about 4k over purchased price. I have already renovated.

Current loans I am considering:

VA-(sounds like this probably wont work since I'm keeping the other VA'd)

FHA

10/10/80

I have spoke with some lenders and they haven't been very great. Any ideas?