I am actually trying to lock down a private money lender so I might not need a traditional bank for the loan. 

To get started, educate yourself with resources like "The Book on Private Money" by Matt Faircloth.

If you private message me I can send you some questions to ask when you are interviewing.

North Coast Consulting Group , we are a private lender  TED, you posted you have " A LOT of props you want to sell" what's up.

Each of these markets has its pros and cons, from rising property values to varying regulations on short-term rentals.As for financing, beyond traditional mortgages, you could explore DSCR loans (especially useful for rental properties), private lending, and even seller financing.

Or is private money basically the only option?

This ones a Private/Hard Money Loan 65% LTV is probably your cap on this one

Before Obamacare, it cost me $2,000/month for private health insurance.

If you need to tap into equity before institutional options are available, i would turn to private money and see if someone is willing to lend you their idol funds or self directed IRA funds. 

Depending on what state, I may know a private lender in that market.