Since the buyer is not able to get bank financing, you are charging a few % points higher.So your $289k house might sell for 320k at 9.9% for 30 years.

Belize is known for it's Banking and Offshore capabilities but, like most places that are "$ havens" the regular population is usually very poor.

You can probably just go ahead and live in that 5th unit, but I believe whenever you go to refinance it with a bank or what not, the 5th unit will make it require a commercial loan and not residential regardless of what the county records show the property to be. 

Go work with community banks, regional banks, and local credit unions.

As long as the property generates enough cash flow, you may qualify based on the asset alone.Another route is to explore portfolio loans from local banks or credit unions.

I'm in a beach area where Sat to Sat rentals have been traditional for 100 years, but not any longer since the rise of Airbnb (and less control by local property management companies).

Second to cash in the bank is HELOC cash because you can use it however you want (you just have to see it already in an account).

I suspect you spoke to bank employees who weren’t in their commercial lending division and didn’t understand your borrowing request. 

Short Sales, Bank Owned, $/sqft, school district, days on market, etc.  

It's a banking and bookkeeping platform built specifically for real estate investors.