Well, what would be happening is that your buyer would be buying your house subject to the existing note, since you can't legally sell the property without paying off that note or transferring the debt to the new buyer.

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

Also, while it won't cashflow right away, rental rates will continue to rise and in 3-4 years it will very likely be a cash-flowing property (it's in a prime location with tons of upside and development going on around it). 

They can take time with their search and be more selective about a property’s location and condition.

I’m considering taking this down myself if I can’t sell it, but wanted to see what the community here thinks.The property is a five bedroom two and a half bath victorian era home in Greeley, CO.

Another thing to add is the regulations, HOAs and Cities are imposing a lot of regulation on short-term rentals or rent by a room, I have seen some HOAs regulate the amount of people authorized to rent the property too.It requires to do a lot of due dilligence to begin with mainly in such big house. 

HELOCs typically do not go above 75-80% of value and since the property was purchased recently they would not see that equity unless you did some major rehab to the property.

I'm working with Michael White, Real Estate Sales with Midtown Property Management in Harrisburg, PA.

I did look to see that in Jersey City people must apply online rather than in person, and there is a page with “What I can do with my residential property?”  

Just do a little bit of research and connect with a great property manager.