Bank How did you add value to the deal?

Hi,I suggest you create a bank account with one of the bigger banks in your area that has many locations.  

I may be misunderstanding your question.In an "assumption" (it's an actual banking term with a definition) the bank takes you though the same hoops as if it's a new loan.

(The B Side Motel in Bandon is one) currently listed for $2M+ combination of 10-12 units and RV hosting.

Most people don't qualify for that relationship.The seller financing will not show up or affect the credit score.However, when applying for a loan at the bank or especially a Federally Guaranteed loan, they ask on the application for ALL Loans, whether  or not it shows on a credit report.

Bank Lessons learned?

Hard money lenders are much more like banks and come with many restrictions, requirements, due diligence, fees, etc.

And assuming a 0% return on the $200k you could have in the bank earning $10k/year if you sold. 

Overall, you're spending $25k in extra costs and a monthly pmt that's $500 higher to keep $50k in your bank account. 

Now purchasing a home with cash is always good b/c obviously cash is king but also I think the part you might've missed is that, the money your utilizing on these home's won't actually be yours, but the banks or whatever institution you used to fix the home or make its value worth more.