Alternatively, you could suggest an owner financing transaction where they become the bank on the property and this way they get to collect a monthly payment all while getting a chunk of cash up front (your down payment). 

Alternatively, I can look into househacking in my neighborhood, but everything is kind of expensive here and I don't have any dilapidated homes to renovate.

Plumbing all that to the house is a couple grand more before rough-in.My property is in a very rural area right next to a popular ski resort plus it is elevated on a ridgeline.

It is still possible to get homes without coming out of pocket a lot of money and the most popular method for this currently is the BRRRR method.Well, in theory this would work but this is almost impossible to do in this current market.  

I, like many used to think “newbies” posted questions or asked for “help” to obtain the best advice from experienced investors, obtain guidance on strategic alternatives, or get a qualified opinion on whether the latest hot guru was worth the $40k price of admission.But, I was WRONG.No, none of those reasons are why newbies come to BP.They don’t want to find out that their “revelation” about how to invest has been tried about 10 million times - with limited successThey don’t want to learn that without capital, knowledge and experience their willingness to commit weekends is near uselessThey don’t want our opinion that they should skip trying to wholesale and spend some time learning as a licensed agentThey don’t want advice that has them taking classes at community colleges or learning real estate law, finance, or principles.So WHAT do they seek when they come to BPThey want comfort, encouragement. and to be told their thoughts are correct.

There are still a good amount of out-of-state investors reaching out for financing...areas like Akron/Canton, Cleveland, Cincinnati, Toledo, Dayton are popular. 

There's a few similar companies but you should also consider looking into LoftyAi as well.I haven't invested my money into any of these companies but figured it's worth it for you to consider other alternatives.  

Sometimes the suburbs are even better than the main areas, especially if they are close enough to the popular areas.

I do commercial real estate lending, but mainly bank alternative programs and private money.

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.