Paid platforms often offer additional features like market analytics, off-market property leads, and filters for investor-specific criteria, giving them a leg up over free options.

Are there other creative options I haven’t considered?

You've only owned it six months, so you probably haven't dealt with vacancies, maintenance, or capex, but you should be setting money aside for those things.Your partnership agreement (if you have one) should address exit options.

Once the city gives direction, then start to look at available options and penciling out the numbers to see what makes the most sense.  

Have you consulted with lenders to discuss your budget and options?

Can anyone recommend sources for contact information for property owners?

HUD.GOV is originating source for FHA loan info.

So the problem is you wont be able to source the down payment as coming from the seller (most likely), but you can certainly add as many junior lienholders as you like, after the fact.

Some types of Creative Financing include: Seller/Owner Financing, Land Contract, Wrap, Assumption, Subto, Lease Option, Contract for Deed.

The agents I have worked with have not really been a source of off market deals but that doesn't mean that it can't happen.