The balloon means in 10 years the balance at that time is due in full. 

As low-income owners with a keen entrepreneurial spirit, we balance W2 jobs with side hustles, such as selling custom t-shirts or baked goods.

I am looking for a 80% DSCR LTV loan for this deal.Here is some quick stats of the deal: Purchase Date August 11th, 2023 Purchase Price: 80KRenovation Cost: 60KAll - In : 140KEstimated ARV: 180k Estimated Rental Rate: $1,400 - $1,600Current Loan Balance: $111,000My Stats:- 720 + credit scoreHere is a link to the property for more information. https://www.zillow.com/homedetails/2730-Antler-Dr-W-Augusta-...Does anyone know any lenders or small banks in the area that will lend up to that LTV for a cash-out refi? 

The market has to balance.

An investor should rarely be in a rush.You also may have to balance patience vs them piggy-backing on your efforts - which may drive up the market price for their units.Also, these will be hard to finance.

Anything received before that period is already part of your bank balance so they usually dont get digging beyond that.I work with a company that allows gift funds for DSCR loans however whether that is allowed or not varies with each lender.

Yes, you can invoice them for the damages and then send their balance to a collection agency.

Principle paydown is something that a lot of people gloss over, but your interest rate and loan balance play a big part in this. 

The current loan balance is 199,XXX.

You should see balances if any you owe to the IRS there and be able to pay.