I know that's a tall ask though, so do I instead need to talk to a financial advisor who can adivse me? 

I would talk to other wholesalers.

Quote from @Michael Wentzel: Talk to your agent to ensure they're OK with it.

Gives you the highest chance of winning the offer with the seller and avoid all cash.If you have any specific questions feel free to reach out or email me I enjoy helping and talking REI.Thank you for this!!!

We're talking giving up $100,000 appreciation in gain over $50/month less cashflow.

Quote from @Corby Goade: The best advice I can give is talk with your attorney.

Meanwhile, if you’re based out of Illinois, and would like to talk more please hmu

Talk to all of the local credit unions.

You are a mark for the gurus when you talk like that so be careful.

And that will be hard in short amount of time.Hope that makes more sense...but certainly feel free to just call me if you want to talk anything through.