I was working with a local credit union who pulled out at the last minute.

For a cash out refi, you are generally limited to 75% LTV and rates right now are in the mid 7s for good credit and a DSCR over 1.0. 

You must have your personal finances in order before you invest.

The best scenario for the buyer buying subject to is to have enough money and good enough credit to qualify for a new loan at current rates should the due on sale clause be invoked by the lender  

Hi Anthony, it sounds like you’re in a good position to start building your STR portfolio, especially with no debt, great credit, and rent-free living!

Also helping was a relationship with that bank (deposit accounts) and good credit. 

A couple questions:1) Has anyone worked with local lenders like a local bank or credit union?

They do not want the other person's name on the deed or the mortgage once the dirvorce is finalized.   

Many note funds take on debt from larger lenders or lines of credit against their assets.

I personally think this is the direction booking sites need to go.