As for paying it down vs waiting-if you have enough to get a mortgage now and the down payment and the interest rates on the debt are low; then find a rental and buy it.  

Probably worth about 260k)Down payment: $100,000Interest rate: 6.75% (option to raise rate in 3 years but not down)Loan Term: 30 yearsBuyers monthly payments: $1,394.49When I crunch this into Chat GPT is says I am getting a 271.87% ROI.

DC is one of the lowest cap rates in the country.If you have a long time horizon, and have patience, with the areas strong rent growth you can end up with more cash flow here than a high cap rate market.

unless this property is unsalable on the open market or your selling it for far more than its worth this is a Pass full stop.. 4% is not even close to market rate for seller financing it should be 8 to 10%and if you need cash then you have factor that into their down payment.

They are offering a 12-15 month 0% APR Credit Business lines, isn’t hard money usually a higher interest rate?

The rental has quite a bit but it's at a 2.875% rate that I wouldnt trade for this deal.

Their interest rates will be higher and they collect origination fees so the purchase price of the property is key and determining your ARV. 

$75k is best used for another house hack that way get a better rate and lower down payment meaning can put some of the money in rehab.

Currently, I'm only offered 27 hours of work per week at an average/below-average pay rate, which isn't nearly enough to save for a down payment or qualify for a loan.I've tried selling belongings to generate extra income, but it's not sustainable in the long run.

.- Only allows Rate/Term but we could add a HELOC on top of it to access cash in this instance up to 95% CLTV.Long story short, there are ways but you'd have to get creative and be over 62.