If you choose to go the HML (hard money lender) route, then you may run into some loan minimum issues.Many HMLs have loan minimums ranging from 50k-100k."

We have a lot of equity in it and don’t make much on it, so that’s why we want to sell.Can we choose not to allow another roommate, force them to move out if the lease is violated if they can’t pay, and move on?

If someone chooses to use a PM great.

@Felicia WestWhen choosing a down payment for a traditional mortgage, consider factors like risk tolerance, scale, and financial goals.

I study a given market's supply, rental rates, comp properties, etc. for a few months to truly understand the MTR market before I choose to invest there. 

I hope you have a smooth transaction whichever way you choose to go.

For beginners, it removes the pressure of meeting strict income requirements, and for experienced investors, it provides the ability to scale their portfolio more easily.How to Use DSCR Loans Effectively in Real Estate InvestingTo make the most of a DSCR loan, it's important to choose properties with strong rental income potential.

There are so many to choose from.

Why do you choose not to use one and what do you do instead? 

OP can pay or he can choose not to.