The mortgage will also stay on the seller's credit which might create an issue when/if they try to purchase another property.

depends on your credit if you can get a mortgage or your ability to find good deals that you use hard money for and then refinance into DSRC.  

Now 3 of the 5 taxing authorities give a credit for doing them on time which can be as high as $150 savings for me each month and I am not sure I would get that using Avalara.

Don’t forget heloc, DSCR, 2nd on primary, borrow from retirement accounts, credit card cash advance, property reserves, home improvement store credit, etc etc.

Still seeing low to mid 7s on 1/23/2025 assuming decent credit

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer. 

Yes, but the 3rd option is I pay the remaining seller note principle in cash via my own savings/lines of credit. 

I've found this to be super helpful: When someone inquires about the property Thank them and Send them the pre-requirements (Income, credit, no evictions) and ask if they meet them.

Risks include market fluctuations, property damage, tenant issues, and unexpected expenses.

It sounds like the Title Co. was not aware that the tenant prepaid rent and just prorated the current rent for the month of closing, so agree if they had no knowledge of it, would not have ever gone on the settlement statement as a credit to the buyer and they likely will not do anything post closing to help obtain those funds.