One solution could be a Debt Service Coverage Ratio (DSCR) loan.

This is probably why you want to bring equity back into your US business and any other investor might make the same choice as you.I brought up the challenges to come up with the solution, which was my last paragraph.

Understand, real estate may not be the solution you are looking for.

There's a few different ways to focus on a lower rate such as with house hacking and making the investment your primary residence, requesting a significant closing credit from the sellers for standard rate buy-downs (which I've had great success with recently), or utilizing lenders who offer short term rate lowering solutions such as 2-1 rate buy downs (again, ideally paid for by the sellers).

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

One solution I’ve seen is closing the purchase in cash, then securing the HELOC afterward, though this carries more risk.

I would call or email a specialist in FIRPTA such as "Tax solutions FIRPTA consulting" in Katy Texas, since they can answers all questions about the law plus investor friendly lenders

But not sure the solution which is to provide me teaching/training on how to get off market deals is something I can’t learn without a mentor.

The easiest solution to combine your two Stessa accounts would be for you to add the email address you have associated with BiggerPockets as a collaborator to your already active Stessa account.Then log in with your BiggerPockets credentials (as that collaborator) and it should upgrade your Stessa account.Here are some easy steps to follow: https://support.stessa.com/en/articles/2105533-the-power-of-portfolio-collaboratorsIf this does not work, please message [email protected] and we can work with Stessa directly to get you set up.

Its a month to month and im in a weak position even to ask the tenant to renew lease now and they seem they are willing to stay they just need a solution to the issue.