The CMA is right on the sale price - My payments to the seller includes a 25 year amoritization rate, so my monthly "mortgage" to the seller(300k with interest) is greater than their current mortgage. (200k with the same interest rate)- Going the regular financing route (25% down) is not desirable since I would need to dip into my primary residence HELOC for the downpayment.

99% sure its a fake lender.. 

I have just started reaching out to some hard money lenders about a potential flip property.

Subject to the existing mortgage of 170k @4% originated on 1/1/2022 plus catching up 20k of arrears/escrow/legal fees and then eventually Airbnb Furniture and holding costs of another 15k from private money.

A local lender has recommended an SBA 504 for the total of the purchase price plus remodel costs. 

A monthly cash flow of $650 and a low monthly mortgage.

will let you know Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Gap funding from a private lender could be an option and will be expensive.

Get into rooms or online spaces with agents, investors, lenders, business owners, landlords, and real estate developers---talk to them, remember their names, and go out for drinks.

Pay the mortgage.