The value of your SDIRA may be too low, but I'd recommend Gary Mobbs at South Star Bank in Gonzales, TX.

I've also had guests buy their own TP and trash bags and leave the extra.As for toiletries, I leave the traditional "Starter Set" of shampoo, a little bar soap, conditioner, and lotion  (the tiny hotel bottles). 

I’ve done some research and have found that some banks will allow the seller finance portion from the seller to go towards the down payment of the loan, is that true?

if you have an LLC and both properties are under it, you just need 1 operating account.If both are under your personal, 1 bank account specifically for the rental is enough for operating.Security Deposits should always be a separate account altogether.

They also could have a mortgage that could not be satisfied by the price and in that instance, again the bank would not release it - so again stuck. 

Does the bank let you get 2.5 months late on your mortgage payments?

Would I go to the current owners bank to see if they would allow a subject to loan? 

Of course the OP received the funds but the point I would argue is that if the OP received in Jan and not Dec in his bank account.

Although William Silva ghosted me for over one month, as soon as BofA contacted his bank, he blew up my phone with nasty phone calls and texts.

If it’s a structured settlement and you aren’t getting a lump lum, you could contribute some of that to a Roth or Traditional IRA each year, or if you are self employed even more to a SEP IRA.Also what’s your short term, mid term and long term objectives?