Any institution selling a note could be liable for the actions of the note buyer, hence why mom and pop note buyers are only buying mom and pop notes, and not in bulk or from any reputable financial institution. 

Finance: Review your books and reduce as much expenses as possible and start stacking away money for your purchase. 

But I am not really interested in “bulk” money.

Excellent ideas here, @Lucas Carl  I use a similar strategy for my LTRs in order to reduce the impending stress caused by tenants with the wrong mentality.Reading your post brought to mind a question I've never considered before:  are vacation rentals subject to Fair Housing Laws in the same way that LTRs are?  

For tenants who became unemployed and hours cut I reduced their rent.

@Kenneth Biason I don’t know that I could make a cabinet suggestion as I’m usually working with overseas suppliers on cabinets in larger multifamily buildings and the bulk purchase is done by a contractor on my projects (typically over 100 units at a time).

All extra cash from tax prorations is now used to reduce principal.

Do the Seller's want all cash now, or would they prefer to do some owner finance over 5 years to make a little interest and reduce their tax bill?   

Taxes went up" - they didn't, or you appeal a year from now and get them reduced.

This vehicle costs a bit more to setup initially due to the legal structure, but will be much more useful and will save you a lot in reduced per-transaction fees from the custodian over time.Several providers of these types of plans are active here on BP.