We just want to move out of this house to a new home, then spritz this one up a bit to get the most outta the sale.Is there anywhere one can find a private personal lender?

DSCR LoansThis is a perfect 30 year fixed loan designed for Real estate Investors that have trouble showing personal income or are capped at the number of conventional loans they can have.

What are the risks if the person isn’t qualified?

This is an insanely loaded question.Me, personally...

If so, I personally don't think house hacking is what I would do. 

I have a decent salary, excellent credit score, no personal debt, no personal mortgage.

DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.

They aren't financially responsible if things don't get fixed etc.In my area many out of state landlords designate a local partner, handyman, etc as being their "agent" for purposes of this requirement.If there is a serious issue with the property, I guess there can be no excuse for the agent not to come to the property quickly to at least evaluate and start to address it unlike someone out of state.

Is this because we did have 14+ days for personal use? 

In-person local meetups are the best and they for sure have some near you.