That’s a problem if trying to enforce a security position as a lender or Noteholder.You may gain control but economics will dictate structuring a deal to pay the problem spouse something as a “lovely parting gift.” 

However, if you filed your rental income under schedule E, then lenders will have to use your the rental calc based on how you filed your schedule E.

What’s your experience been like with traditional lenders vs. private options like ours?

Because the original value of your closed loan was based on renovations being done, there is no additional value to use for the removal of the PMI.Maybe consider refi to another lender who will order another AVM or appraisal to get you a more desirable LTV. 

Also you would not reduce the price because of the interest payment. that is not how it works.3. yes the note could be sold, but at what type of discount and what if the borrower stopped paying.while there are a lot of posts on seller financing, some estimiate less than 1% of all transaction have seller financing and the ones that do are first position only with an average of 30% down payment - most of these are to people who do not have verifiable income.Thinking you will get conventional financing then seller financing will be uphill battle as the conventional lender most likely will not approve a 2nd mortgage for purchase.not trying to dissuade you, just wanted to provide some key insights so you do not spend 1000 hours chasing something that is impossible to find.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

This team consists of an Investor Focused Agent, Lender, Contractor, and PM.Read this article on the "core 4".

For flipping, focus on accurate ARV estimates and budgeting for unexpected costs, while for BRRRR, building strong relationships with local lenders that can help streamline your hard money into your refinancing.

All our deals are financed by a lender at 75% of ARV. 

my loans were back in the day before the GFC and were done by wells fargo and that other big nationwide lender that went out of bizz..