I highly recommend finding a broker and have them find a policy that meets your specific requirements.

Make it your business practice to post the notice to pay or quit precisely on the day after the grace period ends, every time.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

If this isn't the type of loan which would be recommended, if anyone knows of a different loan that would better fit this situation, please let me know. 

ChatGPT gave me a couple of recommendations on that. 

@Carl RowlesI recommend a HELOC or Heloan on your primary residence or the rental if you have enough equity in either.

FYI, we were able to get a 5.5% rate from their recommended lender with 20% down.  

Whichever strategy you choose, ensure you're adhering to IRS rules about prohibited transactions and working with experienced professionals to structure deals properly.Regarding non-recourse hard money lenders in San Antonio, I don’t have specific recommendations.

Quote from @Brandon Croucier: Hi Kathy, at the end of the day the mortgage industry is so vast & wide it's essentially like trying to navigate the Sahara Desert.I highly recommend working with an experienced mortgage broker who knows the ins and outs of the industry to place you into the most competitive product for you.More times than not, people save money working with a small shop broker.Kathy,I wanted to revisit this to offer a a tad bit more and Brandon above is correct.

The more rational you are, the better the outcome.Practice and LearnLike any skill, negotiation improves with practice.