But I do appreciate you taking the time to explain your thought process.

Mortgage Broker/ Bank/ Hard Money Lender – Someone that has experience working with other investors.

If anything explain that there is a fee on top of a lifetime charge (which on its own is kind of weird), but okay. 

Bank financing.

@Penny WilkinsonIf there are no comps, then I would try to ask community banks what they would be able to lend on it.

The rules are more complicated than your one sentence, and even Tom did not have the time to explain all of them on his podcast. 500 hours is one way to qualify for material  participation, and there are other ways.

Depending on how bad it gets the fed will step in and fire up the money printer, of course that would be after a big bank fail and/or massive layoffs.

Bankers are generally not aware of hard money loan options, and even if they are, they don't generally refer them when they believe they can approve a loan to you from their bank.

Banks and attorneys use it for skiptracing so, it would probably be good for you too.

I would, If in this position, take the equity in the form of a HELOC and purchase a cash flowing asset that would not only pay for itself but pay for the cost of the money while putting cash into my bank account each month.