Or connect people with financing options?

If I get my real estate license would the best option to work for a broker? 

Here are highlights of the program right from their website:Program Benefits-A 30-year fixed interest rate mortgage loan, several rates and loan options available-Down payment assistance (DPA) 3% to 5% of the loan amount-You do not have to be a first-time homebuyer-DPA provided as a grant (never needs to be repaid) or 3-year deferred forgivable second lien loan-Available statewide through a network of participating lenders.

Yes, there are different options to what you can refinance a hard money loan into.

Feel free to DM when you're making the move here and we can connect and get you on a consultation call to hone in what your options would be!

as a single property owner, do not want to pay full price as there may not much of need of reports, looking for state specific lease and ACH/Zelle/paypal kind of payment options for application fee and Rent collection. any recommendation on which plan would be best?

"Thank you for your application, we have decided to rent to somebody else".Why is this not an option?

I've been in a similar situation and found a few great options that integrate with QuickBooks Online:Stessa: Seamless integration with QuickBooks, real-time visibility, plus historical P&L, cash flow, and return on equity.

Try to narrow down your options to the top 3-4.

If you want to buy a home and live in it for a few years before renting it out, I will look at low-money down conventional/FHA options; if you cannot qualify conventionally with your DTI, I would look at DSCR loans.