Can someone share insight on a standard or common structure for loan terms when you are a private lender?

They have high loan amounts and a very long draw period and long pay back period.

DSCR loan or STR loan will get this done. 

I would probably go the mini split route if there are easy places to install them.

Right now with higher interest rates you'll have to get creative with financing, like rate buy down, seller finance, or assumable loans.

I can also get a Home Equity Loan from Better Mortgage for another $70k and then sell which would reduce the taxable amount to about $130kCurious on thoughts from others if you would prefer to try and rent it out again or sell and allocate the money elsewhere. 

You need to meet tax and legal rules and work with real estate pros, loan brokers, accountants, and lawyers.

If you take over the loan subject to, which we sometimes do, it stills leaves a problem with his debt to income ratio in qualifying for a new loan.

Used my VA loan and zero % down to make it happen.

So 30k in interest payments on a primary would only net most people an $800 tax deduction since they would have already got the standard deduction by default, where as 30k in rental interest would translate into 30k in deductions.This means that for an awful lot of people, they effectively don't get to deduct the interest on their primary.Keeping the loan on your rentals, while getting rid of the loan on your primary also helps from an asset protection side of things.