Alternatively, I’m considering wholesaling it for a quick $20K, but I’m not sure how to find local investors who can move quickly and close within the bank’s timeframe.I’d appreciate any tips or guidance on whether I’m approaching this the right way, ways I could improve, or how to effectively connect with local investors who could allow me to wholesale this property and make some immediate cash.

Banks often have higher fees and less favorable rates, while online services like Wise offer more competitive options.As @Ryan Konen mentioned, other alternatives include Revolut for multi-currency transfers and OFX for large transfers without limits.

[crawling into my office closet while alternating between sobbing and laughing] 

You’re on the right track—setting up separate LLCs for wholesaling and building can simplify things and offer liability protection, plus putting properties in their own LLCs keeps assets safer as you grow.

Until Fed begins to cut rates I’ve found alternative lenders in some cases to be competitive with banks on construction debt when considering the totality of factors (rate, leverage, depository relationships and pre- payment penalties).

Alternatively, construction is a great field to get into.  

Alternative Solutions: If refinancing isn’t possible and a buyout is needed, consider a structured buyout agreement where the remaining partners gradually purchase your share, allowing you to exit while they assume full ownership.This post does not create a CPA-Client relationship.

But, I'm not that desperate to potentially jeopardize my account's status.As for private lending, I THINK debt is safer with the self directed accounts. 

But it is not a closed option as there are a few that do not have these restrictions.As an alternative, you might want to look into house hacking or buying a single-family home instead.

Not a cheap solution, but a lot more aesthetically pleasing and safer than that picture.Maybe some type of spiral staircaseGino