Additionally, you don't even have to lose money.

I started a GC company because it brings in additional revenue.Another important point, are you looking for a mentor or mastermind to join?

I’ve seen info about 403b loans (doesn’t seem like this is possible since I’m no longer with these employers?

I have 2 units I constantly have to chase for rent and if you can avoid this by looking for additional applicants I recommend it.

How does one take the owner finance situation to a bank and turn it into a 30 year loan to hold without an additional down payment of 20 percent ?

In addition I also offered cash and a quick closing timeframe.

If you're confident in your comps, it may be worth discussing with the appraiser or lender to see if there's room to provide additional context or request a review. 

For both the applicant(s) and a co-signer, you want to understand their habits...financial, employment, legal, character, etc., as Bad habits in one area typically carry over to other areas, and will land you a poor Tenant (or co-signer) choice.

Not adding any additional living space, just dividing the two units, putting a kitchen in one of them, and probably not having to add a bathroom to either unit.  

IDK. " If you are an employer paying with Bitcoin, you must report employee earnings to the IRS on W-2 forms.