However I wouldn't expect this to stop you from getting approved, but it may mean you should consider looking at alternative options or structure the deal in a way where you won't be caught with a net loss due to the PPP.

If you are headed into retirement, my way would still be way safer than your plan.

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.

You can directly contribute to improving the area, helping residents access safer and better-quality living conditions.Hopefully, this gives you another avenue for real estate investment in a growing market like Charlotte.

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

Alternatively, construction is a great field to get into.  

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.

We used a service and a proven letter, I mailed every month for 6 months, actually alternating 500 every two weeks, so I had more time to follow up with the usually 30-ish responses. 

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.

Does anyone else recommend an alternative that is better priced, but equally as data heavy?