Here are some other deals that other retailers are offering as a option to Prime Deals.

If you’re considering this step, consulting with a financial expert to evaluate options tailored to your situation can be invaluable

Another option would be to keep the purchase price at $140K and bring a check to closing for your broker.

I've personally tried a few options and the best has been Smarter Contact.

My construction lender offered a portfolio loan option for me, but yes, refinancing it to conventional is definitely an option.  

That said, if you can comfortably handle the additional down payment and monthly payment consequences of a higher purchase price (and the lenders agree), and you have a few different good options with the property then it could be a wise investment.By a few good options . . . you want to have some exit strategy other than STR that will work in case the something happens to make STR uncouth in your area. 

A HELOC may be an option but I'm full time real estate (no W2) and have a couple properties and my DTI is relatively high. 

I just came across this correspondence and am reaching out to you to find out what my options are.

Try to narrow down your options to the top 3-4.

But wants to leave immediate family in the main home on the property.The other option is, after a few years then rent out the garage and room while still having the family live in the main home.