What I am asking about are portfolio loans from private banks.

Sounds like the question is more about the trade off of (time and money going into a commercial-to-residential conversion) compared to (savings from better loan terms)...

(about 20) with private money.

It’s not an ideal fit but I could use a part of it or pay & do a conversion to something better for infinite banking.

In this scenario, the lenders do not file a lawsuit but rather file this document directly not he land records to provide proper notice to the public that the lender is intending to sell the property, usually via a private trustee's sale.

I am a graduate student at University of Texas at Austin in Austin, TX and looked on craigslist for private room rentals.

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@Mahan Shahverdi owner financing if you can get it, hard money, or private lenders would be the creative option. 

I remember having the conversation about the camper when the tenant first moved in and we decided that he cannot park it at the house.