But I don't know your personal situation and all the financial details. 

BUT, let’s say for personal reasons you want to “stretch” for faster wealth accumulation.  

It's like having a personal mentor guiding you toward real estate greatness.Unlock the Secrets to Real Estate Success by diving into learning—read, attend networking events, join a coaching program, and more!

The strategy is built on your own personal cash flow commitment.

Personally, I wouldn't offer SubTo or a Wrap, For reasons I've written about fairly extensively. https://www.biggerpockets.com/forums/70/topics/1227199-the-m...However, I would sell on "Lease Option" and that may work for you.

Or a personal loan if interest rates aren't cost prohibitive?

There are conditions that must be met.Also, I believe the taxes are higher in Richland County than Lexington County, but I don't like there, so I don't have personal experience with that.

It might because they don't want any random person just setup a property management software to make it look legit and using it to scam people (tenants)

Not in Austin TX, now it is Austin CA where you make your money on Appreciation but you have to hope the market rewards you.  

I have personally owned over 200 cash flow rentals and sold them as it simply was not worth it..