Which scenario leads to cheaper, after tax cost of funds, balanced against your risk tolerance?

to get off market leads from hoarders/distressed sellers that did not want to put their properties on the market.

And think about what will happen when interest rates eventually come down...When interest rates go down, mortgage applications go up like clockwork, which leads to more demand, which will likely lead to increased home price appreciation. 

I’m a new wholesaler working a lead in Palm Bay FL where seller finance might be the best solution.

You are heading in the right direction to get the financing options laid out and then find the deal so you can pull the trigger for the right one.As far as HML options be sure you get all the details before signing anything . . interest rate, payment terms, what if you need to extend, points up front, etc

I just go direct to the listing agent, in states I can.

I am sending you a dm to point you in the right direction. 

Any leads or contacts please send my way. 

If you are house hacking to have someone else pay your mortgage what would be the point of a separate account if you are just going to switch it over to your checking or directly into your mortgage. 

I'm in the Tampa Bay region, and would love to find a place directly in Tampa.