Don't bang on pipes in the quest of fixing anything Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Quote from @Michael Dumler: @Samuel Abebe, Moreover, the other risk is that if the seller still has a mortgage and the buyer is making payments directly to the seller, the seller could collect the buyer's payments and stop making payments to their lender (pocketing money) until their lender forecloses.

Hey @Wei Jie Yang - you should start by reaching out to the lender that currently holds your mortgage and work your way from there. 

TLDR: If you're in year 4 of 10 and pay the mortgage off, your payoff balance will be adjusted to reflect the cost of buying a gov't bond that will produce the equivalent amount of dividend payments for the remaining 6 years (in other words, one way or another, the lender is absolutely going to get their 10 years of payments).

Partly due to the lender failing on some stuff, firing their processor and having to redo a lot of things last minute.

I want to know if anyone could help me with advice on private lenders?

But if not BankofAmer, would another mortgage lender take on the 2 mortgages and blend the interest rates together based on my credit and possibly even cash flow?

Talk to some lenders about HELOC opportunities.

You're basically asking for an unsecured line of credit, which you'd only get if you have an established business with a strong balance sheet in the US (and you already do business with the lender).Add 1 and 2 and it sounds like mission impossible to me.

Would love to connect with investors, lenders, agents, and property managers from the Faribanks/North Pole areas if you're here!