One thing that may work is doing a Subject to Existing Financing deal where you will buy the property from someone but not payoff their loan.

Since I’m holding these properties for the long term (30-year loans), I’ll have fully paid-off assets around the same time I’d traditionally start withdrawing from my 401(k).

Last minute they changed the deal to a mortgagee loan and cut the SOW from $65,000 to $40,000.

Were seeing projections that new construction is going to make up a much higher percentage of loans by the end of this year.

Some lenders do a periodic search of ownership records of all properties in their loan portfolio.  

Last property I bought had 8-9 offers.New York has a lot of downpayment assistance grants and loans. 

It’s a beautiful old house and would be a real gem if it was restored, but I don’t have the funds or a credit score good enough to get a loan that big (without an insane amount of interest tacked on).I’m hoping to turn someone on to it who loves restoring old properties, or start investing in a group that does and tell them about my house and invest as a team.

You can ask your CPA on the cost segregation short term rental loophole.If your partners credit is bad but you have cash, you can just cosign for the loan or go DSCR/hard money.Dayton is a solid market for BRRRR investing.

Went on to purchase additional rentals so tenants can pay down the loan and I build equity How did you find this deal and how did you negotiate it?

Credit pulls for the same type of loan within a short window (usually 14-45 days) are treated as one inquiry, so your score should be fine.