Near Centerville/Kettering you can find some great A/B class properties with good tenants.In terms of cash vs financing, if one of you is a US citizen, you can still qualify for a conventional loan with your current income.

Conventional loan at 5% down since it was a primary residence, but being the agent, after getting paid commission and seller concessions, I only had to come with about $10,000 of my own money on a $485k property.

The loan on my current house is actually a conventional loan. 37,834/year projects me 3152/month before airbnb/cleaning fees right?

We can offer both in house private money for bridge loans/fix n flips as well as all your other investor loans including DSCR, Conventional, Non-QM, and Commercial. 

Do you have a VA or conventional loan?  

Many of the homes and condo complexes are near wildfire areas in California and the buyer is unable to qualify for conventional financing with Fannie Mae or Freddie Mac loans because many insurance companies won't cover the property.

I will not be able to do a cashout refi with a conventional lender for 12 months, and although Fannie and Freddie require a 12 month seasoning period for cashout refi's, it seems most convetional lenders, even in a straight out refinance (with no cash out) require 12 months as a policy.Does anyone have any recommendations for long term lenders that will balloon me out on a long term loan?

Rates for seller financing are typically higher than conventional mortgage rates to compensate for the increased risk.

So it's a conventional owner occupied loan with 20% down.

STR (if more than 50/100 miles from your home, or at a destination like lake house or beach house), allows you to put 10% down vs 15/20% down for conventional financing.