While I am always looking for off-market, as an agent with access to MLS, that's my primary source of looking for deals right now. 

Often times, their approval processes are slow.Credit Unions - Their member structure also subsidizes their financial structure so they can also be a source of low-cost financing.

Hope is the industry gets some relief soon and I can revisit some options to further improve asset revenue through amenities and/or roll into a better rate a lower principle.

Aim for a credit score of 680+ for better refinance options.

(And I know a wrap probably isn't the first option many would choose, but I'm in Texas so its really my only option)

Unless you have heavy overhead and 1000+ LOs this is the most cost effective option 5.

One thing to consider on the credit card option is that a lot of contractors don’t accept them so that could be an issue.

One long-shot option is to offer a lease at something like $1,300. 

@Isaac TerryIn terms of it being worthwhile, just like most other markets out of state if the barrier or entry is too high where you live, the landlord laws are not favorable where you live, and you are looking for positive cashflow then Cleveland can be a good option.

As an investment property, I don't think your want is an option for you.