Brandon Turner talked about it in his 2nd book, The book on real estate investing, he got a private money lender for one of his first deals from someone he went to church with.

You also cannot use a second mortgage (from HML/private lender) for a 2-4 unit non owner property. 

HML is expensive, better to use private money from friends or family. 

If you ABSOLUTELY want to do it, just spend a few satoshis and find the contacts for a private lender that will do the deal.

Property management companies and contractors are the people in your business who make or break you.I will send you a private message to refer you to a property management company that is doing good for me.Don't let the bad experience sway you away from real estate.

There are always other options-hard money lenders, private lenders; but they are riskier and will likely have higher rates.

One big one is that scaling the lease option sale to a homeowner will attract both public regulatory scrutiny and private litigation, perhaps class action, once it reaches a certain threshold.  

Getting a loan to payoff another loan with a lower interest rate doesn't make any sense. we do private lending and can get double digits returns consistently.

II wonder if it would stand up in court that they could force you to use their contractual payment requirements on your own Private property.

There is a lot of information on BP regarding being a private lender and outside groups taht have a lot of support in this space.