Thank you Korey,it does leave some options.

Is it the listing agent or curbio has the option as well ?

What value do you intend to provide your customers that those two options don't?

This might be because their credit score is too low or the house needs fixing.Although each lender can make their own rules about how to qualify a borrower and their investment, like needing a certain credit score; I believe that flexibility is the best thing about hard money loans since it provides each individual with vast amount of options.  

I did my own taxes last year and that is absolutely not an option this year lol.

I'm exploring alternative financing options and would greatly appreciate insights or experiences in similar scenarios.Key Points:Property Location: Cahokia HeightsPurchase Price: $17,000Rental Income: Approximately $1,500/month via Section 8Condition of Property: Updated plumbing, roof is in good shape, needs AC unit, paint, flooring and cabinets and counter topI'm considering reaching out to private lenders but would like to gather opinions on:Feasibility of securing a mortgage for a low-cost property.Attractiveness of this deal to private lenders.Any creative financing strategies that could be applicable here.Legal and tax implications I should be aware of.Potential risks and how to mitigate them effectively.Any advice, suggestions, or contacts in the private lending space would be immensely helpful.

Positive cash flow the entire time I owned it and it gave me the desire to buy more.

Alternatively, if something were to arise in our life (emergency or otherwise) while this money was tied up in an investment, we're left with few good options. 2) Time is not something I have much of.

I am nervous this will put us in a bad position for March. 

According to my research, BRRR could be a good strategy to start with to increase cash reserves and then go for buy and holds...I'm interested in Oxford Houses or other group home options or other ideas I haven't thought of yet!