If you aren't going to be living in CR full time as you try to execute the deal I do not think it is physically possible for you to obtain a loan from Scotia Bank and not worth your time to try because the rates are so high. 

Louis for the hard money loan.

However, my debt to income ratio with that home loan, and student loan doesn't look that great currently and I don’t have much for a down payment.

Your realtor will be able to give you a much more detailed market specific answer but with house hacking and a VA loan it should be possible to get 0 out of pocket.

Yes there are alternatives for both beige and 30 year loans for no US borrowers.

We just had our 3-year loan mature on 2/2/24.

A brand new business getting a loan to purchase a property will almost definitely be at higher rates than what you have now. - When we've review these options with clients the ending outcome is typically that it's easier to forgo the 121 exclusion if you want to keep this property; and do a cash-out refinance (taking on more debt isn't taxable) instead. 

A couple of months ago, I purchased a property using a hard money loan for $115,000.

If you're purchasing a single family home you can use traditional financing like you probably did on your house or you can do a commercial loan.

Make your bank stand out by ensuring FAST same day loan processing with better terms.If I owned BiggerPockets I would act on this IMMEDIATELY because it’s all about speed and execution in business.