@Isaiah WrightI haven't done a seller financed deal yet, but I've been doing obsessive research in the past couple weeks.This pros of this purchasing strategy are that the terms are negotiable, and you can get away with putting low or no money down in exchange for a favorable interest rate and sale price to the owner.

On top of these avenues for structuring deals, there are many levers you can pull to make deals more favorable and provide higher returns.

Given that you and your spouse have great credit, that would be a compensating factor in your favor. 

Maybe I am not doing hosts a favor by letting them know when we leave.

You would make more money putting $250,000 down on 4 properties then buying a single 1 million dollar property if financing terms are favorable.

Do yourself a favor and build bench strength by adding an investor focused realtor to your team.

You can refinance through a commercial/portfolio loan rather than a conventional Fannie/Freddie one.The rates/terms will be slightly less favorable but just underwrite the deal accordingly and see if it still works.

I've used them in the past on multiple properties, and depending on the property type, FiCo, and any compensating factors in your favor (reserves, seasoned investor, F&C properties), you can get really great rates.

Many more options and favorable terms. 

I would definitely try that first before you get into hard money lending, the terms will be much more favorable for you with a conventional.