I bought several multi-family this way and negotiated financing terms that were better than the bank.Cody Davis started investing at 19.

Wyoming allows "trust decanting": a trustee can modify or change the terms of an irrevocable trust under certain conditions.Please consult your CPA or attorney before creating any trust.

I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

Each lender will be willing to provide a ballpark rate quote with some simple info such as FICO score, property type, location, term, and desired LTV.

But for a short answer.

so short window I suspect the marketing will start in earnest on March 15th though !!!

Just like the asking price, just because the owner suggests one interest rate or term doesn't mean you can't offer something different. 

I live in an area where rent appreciate quite a bit so it will always make money long term. 

Find someone who manages long-term rentals in that area.

There are a ton of great neighborhoods in the greater Sacramento area, where you will see solid rents and good long term appreciation.