This is something I try to live by and teach my kids if I can - "A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly.

That said, when there are profits for both sides of the equation (borrowers & lenders), private investors/hard money lenders are more inclined to favor the project.

Reviews are crucial for building trust and gaining momentum.Ultimately, while price can be part of the equation, it’s the combination of a welcoming, value-driven approach and strategic marketing that will help you stand out and build trust faster. 

@Brett Burky suggestion of Rival Brothers is ok but they have a lot of equations that does not really work with note buyers.  

Understanding the tax benefits of pre-tax contributions, cost recovery, real estate professional status, legacy goals, etc are all part of the equation and should be considered. 

If so you could run the numbers on taking a loan on the zero-debt property to pay off the other.I'm still unclear on the goals - you've brought a lot of other things into the equation (e.g. paying of high interest debt, STR as personal vacation home, stocks/dividends, etc.). 

The generally equates to a tiny 3 bed 1 bath home that is in need of renovation, and either no basement or unfinished.

- A 0% down, seller financed deal, typically equates to little to negative cashflow!

I agree that efficiency is a huge part of that equation, and the more efficient the PMC, the more they can stay profitable with lower fee structures.  

The other side of this is equation is affordability.