When she finally paid, it was $150 short.

Or using a hard money loan or other creative financing a better route to go?

That means they haven't passed the final inspection yet (or never did).

However, securing a loan overseas could take up to a year to close.

The biggest threat to her not getting her money is you structuring a bad deal and then having to default on the loan!  

As far as the lender goes, if I'm buying properties that qualify for conventional loans does it really make a difference if I build up a relationship with a specific bank vs just shopping around each time I buy a new property?

Will a bank see the same value that I do and be willing l do a DSCR loan based on LTR and STR on the same property?

You really need to have a term on your loan that is less than 30 years.

She doesn't want to list it and sell it traditionally because of fees.She is offering a deal to assume the loan, and it is assumable, but the problem is, it's FHA.

Have you looked into a reverse mortgage aka HECM loan?