If you offer more $ for the property than the all cash offers AND you appear to the seller to be highly qualified in the method you are using for sourcing the payment, at some point your offer will be more appealing than the all cash offers.I don't understand why you would consider a 1031 for another property in two years. 

Such as, what percentage of those $1B in defaults came from tech platforms as opposed to traditional lenders?

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

I rented to ACU students and used the rent by the room method.

Thank You for the input, it's confirmed there is not a straight forward traditional mortgage option.I'm looking for a property in the 100k range.

I’d love to take advantage of a “traditional” mortgage (or even FHA?)

I'm a local real estate broker, investor, and manager (100+ rentals, mostly Airbnb/STR and multifamily).House hacking is a tried-and-true method and in Sacramento you can produce some meaningful income while enjoying the appreciation and tax benefits of owning real estate.

@Mitchell RosenbergAnother approach is the elimination method.

If not, you could always maintain 2 separate IRA accounts, one self-directed for private lending, and then another for your traditional investing.

And when their methods don’t work and you turn to your favorite guru for advice, what do they tell you?"