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If I wasn't able to get the cash together, using a private lender would've been a good option.

I'd say I have a similar review as @Don Miller.

I am a realtor and wholesaler, and I get some buyers looking for owner financing, some sellers need/prefer getting cashed out and there are some lenders I work with who can provide the financing however they run out of funds sometimes.

I know they would be worse off refinancing at today’s rates even if they could find an alternative lender able to lend on older mobile homes.

@Brenden Stadelman in general legit lenders do not ask for maney up front other than for an appraisal.

Don't be so quick to indebt your paid off townhome until your learn creative financing and review all your options.

However, many DSCR lenders have a minimum loan amount of $100K, which can make it challenging for investors to secure financing for lower-priced properties. 

So is it a matter or reaching out to lenders saying I'm willing and able to act as a broker and ask for their terms/rules?

What would be considered the easiest program for small hard money lenders to use to track loans and history and sending out 1098 's?