At a 6% cap-rate my property's worth approximately $1.9 million instead.Does anyone know of any options like this out there?

As others have stated, bank statement and DSCR are your best options.

The program looks at location, property value, amount owing, interest rate, taxes, insurance, rents, condition, etc and several exit strategies.When we make an offer to buy, we can offer cash, subject to, wrap, seller financing, lease option, seller carryback and so on.Obviously if we wholesale the property, there is no carrying management needed, and if use a lease option to sell, the optionee is responsible for maintenance and repairs.

What you want to do is combine pieces of both of your options together. 

The plan is to create an Excel sheet where I could plug the basics into a formula and it would give me a side-by-side view of how the investment looks with each fund option. 

I have a buddy that is in mortgage but unfortunately we are not able to secure deals with his company because most buyers have better financing or cash options and this is taking me out of the game.

@Rebecca Schnur I think you're right to carefully consider your options with Stessa, especially given the importance of security in online financial transactions.

Now that I am older and have more options I recently started learning about real estate on youtube and it led me here, BiggerPockets.

I prefer to utilize a broker lender because they generally have access to more unique loans, however I do know some BANKS or credit unions have inhouse portfolio programs available that don't exactly follow fed guidelines, which may also be good options. 

If I could find a multifamily to househack that may be a better option for 5%.