It was 20% down  Like I mentioned on my comment above, it is possible to still finance this property with a non-traditional lender, especially when you are putting 20% down.

It seems a traditional sale gobbles up half of it in closing costs.We refinanced early last year, and another refi would cost ~$5k, plus w/ the LTV, I don't think the numbers work out just right.Too bad we were too naive to even consider those offers when they were handed to us.

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whats traditionally referred to as "DSCR" loans are not going to be eligible in non-state territories unfortunately

These properties appeal to students and low-income renters, especially if traditional housing is limited.

This allows you to access funds while keeping your existing mortgages intact.Second Mortgage: Explore lenders who offer second-position loans on investment properties, though rates will be higher.Cash-Out HELOC : While traditional banks often restrict HELOCs on non-owner-occupied properties, some portfolio or private lenders may offer HELOCs for investors.With $15-20K in liquid funds, look for deals where you can negotiate terms:Seller Financing: Negotiate lower down payments or interest-only periods.Subject-To Financing: Assume the seller’s existing mortgage while covering the down payment.Lease-to-Own: Lock in the purchase price while using rental income to build equity.

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

Theyre great products for self employed borrowers who will not qualify for traditional loans, but there's a premium for that convenience.

Maybe we can do seller financing for the $172K and then get a traditional mortgage after the fact with delayed financing?

Creative & Seller Financing OverviewSeller financing allows the seller to act as the lender, enabling you to purchase without traditional bank involvement.