Took over the hard money loan, caught up the payments, and refinanced into a DSCR loan How did you add value to the deal?

I've been interested in Real Estate for a long time now, was even a loan originator at one point.

The credit union has shrunk the loan amount they're willing to go with to match the appraisal.

I think you have about 90 days to move into the property for an owner-occupied loan but I am not sure if that differs between FHA vs. conventional - @Zack Karp or @Jose Valdovinos could confirm that...Either way, I'd follow the advice of others above...give the seller two or even three separate offers that work for you. 

One option is to have the buyer use a loan to buy out your existing mortgage, and then you can carry a second lien on the property for the remaining balance.

I am on one loan and title, he is on the other.

I have different loans and I want to know how they will affect my DTI 1.

No foundation usually means no mortgage.Maybe a SBA loan?

Partner financed the original purchase price, we refinanced using a DSCR loan with no money down from my end.

Is it conceivable that they could have generated interest from someone with a large amount of cash, but not in a position RIGHT NOW to obtain a mortgage loan?