Know that every long term lender will require a survey and if something comes up on it when you are trying to sell or refi, you could get stuck in hard money without an easy or quick way to get out.Is there a pre-payment penalty?

Gave me the monthly payment and I checked it against a mortgage calculator and it's exactly what that said. 

If you're worried about cashflow, why would you do a 15 year loan with a higher payment -> meaning negative cashflow?

So, I'd probably lean towards you staying where you are and look for rentals to buy with the $100k as a down payment.

Overcoming Common Financing HurdlesMortgage brokers excel at tackling challenges that often derail new investors:Low Down Payments: Brokers can find lenders offering low or no-down-payment loans, ideal for new investors with limited capital.Complex Income Streams: If you’re self-employed or have variable income, brokers can identify lenders that accept alternative documentation.Competitive Rates: Brokers have the leverage to negotiate better rates and fees, saving you thousands over the life of your loan.Pro Tip: Communicate your investment goals clearly with your broker so they can tailor their search to your needs, whether it’s a short-term fix-and-flip loan or a long-term rental property mortgage.3.

MattIRA sells and owner finances the property for 200k and gets 30k down payment.

If you decide to keep your house, you can do an IRRRL after you have made at least 7 payments on your new mortgage.

Local Investment StrategiesHouse Hacking: Given the affordable entry prices, Albuquerque can be a great place to start house hacking, especially near the university areas.BRRRR: For those familiar with the Buy, Rehab, Rent, Refinance, Repeat method, there are opportunities in Albuquerque to purchase under-valued properties, especially in areas undergoing gentrification.Airbnb/Short Term Rentals: As previously mentioned, the city's rich cultural appeal can make certain properties lucrative for short-term rentals.

Maybe a better question would have been if you know how much money you have for a down payment on a property? 

Which means that they pay you a down payment and you finance the properties to them.