Can you be financially free, sure, consider if you are buying real estate you will no longer have stable income to get a loan.

Quote from @Jaikevis Reams: In order to put a property under contract I need to provide proof of funds I know that I can get that from a hard money lender but I don’t meet there criteria for a loan approval what should I do? 

Hey Alex,I get where you’re coming from - these situations can be a minefield, especially when the tenant has been using the space for years.

I can likely do this loan, but in all fairness, with this type of loan I suspect a community bank is going to beat me out.

On October 31st Blue Metrix reached back out and said they weren't going to pay off the loan unless they got a greater discount.

. - will it influence property taxes once we move to conventional loan in 3 yrs? 

Also reviving this thread, in a very similar situation as @Stephen G. 

I make loans on Memphis properties for investors.

You won’t find many seller-financing deals here, so if you're looking to scale quickly, your next best option is the BRRRR method—using cash or hard money to acquire properties and DSCR loans to refinance into. 

They're a great resource for these situations!