Account Closed said, income and assets are the only "hassle" with a conventional loan.

Since you will be renting it out you should get a conventional loan.

From a leaky roof to a backyard jungle, it was a crash course in problem-solving and patience.I bought it for $145,000, powered through the chaos with a hard money loan, and sold it for $180,000.

I have a bank locally that will use DOT as collateral for loans.

Sounds like you are getting hit with a lender who has overlays and possibly miscommunication between the loan officer/processor to the underwriter.

@Roman StefaniwWhen retirement accounts in the US get financing, the loans are called "non-recourse."

I expect to finalize them by the end of January.

Or maybe you finally want to purchase a multi-family complex / self-storage facility / car wash, etc.

But as for the seller finance, would the loan to the seller be the difference between 450k and the refinance number of 220k?

I plan to apply for an FHA loan for my first investment if I were to find a deal, but if I can't something that works for buy and hold.