What are your short term goals? 

I've worn three hats in the seller financing world (as a property buyer, as a property seller offering terms, and as an investor that buys seller financed note). 

If you don't want that, I would sell it or put it into storage (which may not be financially feasible), but long-term renters are hard on furniture that is not theirs. 

A common term for these is payroll loan, but there is other terms as well.

One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverage Ratio) is under 1.🔹 How It Works:If your rental income falls short of covering your mortgage (PITI), you can use liquid assets to supplement your income.

You are still exiting with a refinance and thus the terms wouldn't change on the exit whether you are buying in cash and then refinancing versus doing a construction loan and then refinancing.

In real terms you would walk away from an investment long before a primary residence and therefore most banks will not allow it for anything less than 10%.

There are people who buy a longer term (12 months or more ) OPTION giving them a RIGHT to purchase a subject property, at a certain price, within a certain amount of time, and attempt to either sell the option for a higher price or close on a simultaneous purchase and sale to an end buyer paying a higher price.  

The buy in would be very flexible terms.

My passion lies in expanding my portfolio of long-term rentals and diving into property flipping as I grow in this journey.My main goals are to connect with like-minded investors and professionals, share experiences, and soak up as much knowledge as I can from this incredible community.If you’re based in Georgia or working on similar projects, I’d love to connect and hear about your journey!