My work around was to find a 75 year old dude with no credit and no assets, who wanted a new truck.

Will having that home on our credit negate us from being able to seek additional loans for other properties? 

In our case, this seems to be the best price in town and I trust this AC company so I am happy to pay their price (especially since it is the lowest quote I found).

Only asked that since you mentioned out of state.If so, credit score 700 plus, you will be 20% down on 1 to 4 unit purchases on the DSCR side.

I’m trying to work with a seller who deals in off-market properties, but they only accept cash or an “unrestricted line of credit” for payment.I have about $200k in liquid funds and want to invest it all, but I'm running into challenges with payment methods.

Plus reducing capital gains You want the seller to extend multi-year credit for tens of thousands of dollars to someone whom professional lenders won't touch.

@Johnny McKeon I think I would need to know more about your deal specifics - If I were working with you, I'd want to know what is your credit?

A cash-out refinance can reduce your credit utilization and improve your credit score.

For some context, the current payment is 30-31% of our gross income, we both have 780+ credit scores, no other debt besides this mortgage.

You could negotiate with the seller to provide a credit towards your closing costs or reduce the purchase price.