I have over 50k for renovations if need be and I have private funding for the purchase.

Can you imagine taking a couple days off work, looking for a new place, paying for new applications, putting down deposits, renting a moving truck, finding friends to help you move, paying to clean your old place, and so on to “Save” $300/yr? 

If rates do go down significantly, it will be more of a sign of economic instability.I recommend continuing to save monies until you come up with enough for a decent down payment.

From a compliance stand point, seller financed notes have much more leeway, fudge room, as they are looked at as private transactions.

I learned I could save $10 and time by doing the bank transfer from home, but still I'd be out $53 every time I pay.   

If you don't have the cash, start saving now, and if you can pick up a cohost client or 2 you will save it quicker than you think.

From my perspective on the private lending side (bridge loans, 30-year DSCR, etc.)

That said, $8k is a big nut so I'm really not quite sure if I will go with a private consultant on an hourly basis or go with them or some other form of coaching.  

Go ahead and state who you're working with, this sounds eerily similar to something we've heard on this forums over & over.Josh Janus, since you asked.Yesterday I sent Josh the link to Lolo Druff's post and my reply so the two of them can connect privately. 

Because I agree I want to keep annual costs down.If a WY LLC buys a property all cash there is no public record with your name on it, the manager/member remain private.