Just do it, tell them to send you some gift cards for the inconvenience lol otherwise they might have to call your note if its in their legal reach. 

what is the best way to fund renovations on a flip project (other than cash)hard money lender, line of credits, credit cards?

Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

So, I believe this would require me to get additional debt via a separate loan at a rate higher than my mortgage rate.

Older and less interested in risk/debt?

Currently, I’m working on clearing my debt and saving as much as possible, with plans to start my journey by house hacking with my partner.

Not sure how often that happens and to the extent it does, how much individuals are receiving.Trying my best not to politicize this, but have to add that massive bailouts are going to continue to get harder to afford with the high federal debt we have today.

Driven by favorable interest rates and stock market performance, debt issuance has been the main capital driver.

Its a mortgage with a debit card.

I think more people do not understand the risk of seller financing. all the people I see applying for seller financing could not get a visa card there credit is so bad and there savings is from the pennies they find walking down the street.