Another option would be local banks/credit unions since they are known to lend on smaller amounts like thisMaybe @Owen Dashner can help?

It offers a secure and transparent process for both buyers and sellers.NoteTrader Exchange: An online marketplace where you can list your note for potential buyers.LoanMLS: A marketplace for buying and selling mortgage loans and notes.FCI Exchange: Another platform where you can list and sell your notes to investors.Note Investing Forums and CommunitiesBiggerPockets: A popular real estate investing community where you can network with potential note buyers.LinkedIn Groups: Join groups focused on note investing and real estate to connect with potential buyers.National Note Group: An online community where you can connect with other note investors.Note Brokers and BuyersNote Brokers: Engage with reputable note brokers who have access to a network of note buyers.Local Real Estate Investor Groups: Attend meetings and network with local investors who might be interested in purchasing your note.Financial InstitutionsCredit Unions and Community Banks: These institutions may be interested in purchasing performing notes.Private Equity Firms: Some firms specialize in acquiring performing mortgage notes.I hope this give some direction regarding your situation.

Im fortunate with my W2 job (as a union carpenter), where I can listen to podcast basically all day, so bigger pockets rookie has been my life blood.... so I'm learning as much as I possibly can...

Haven’t had luck looking to local banks/credit unions because I know I’ll get that response. 

Finally built out by Clark County Credit Union.

They didn't make a fuss over the due-on-sale clause because they valued the relationship and the steady cash flow.From what I've heard, smaller regional lenders or credit unions are sometimes more open to these kinds of creative financing strategies.

STRs sound like too much work to me.Portfolio income = stock dividends, interest income (from banks, credit union etc), Master Limited Partnerships (Form K-1), Business Development Companies (Form 1099), bonds, interest earned from investing in a real estate debt fund, interest earned from being a private lender

I wanted to consolidate banking to a credit union as I am investing much more in real estate and SMBs.

If they came aligned, a union, done. 

Unlike the US banking in Portugal is consolidated in a few banks which means that things that are common in the US like credit unions or local lenders are not found there.Has anyone had experience in doing BRRRR with Portuguese lenders?