Why would anyone want to deal with a subto deal with a rate that is at or above todays interest rate?

My girlfiend and I are looking in La Grange and Brookfield which is not quite as fast west as you, but my aunt lives in Wheaton so I am quite familiar with your area.What's your game plan over the next two years? 

If the property sold today, after 1% cost of sale there's only $2.5 million in cash coming from that sale and that's assuming that there's no exit fee on the loan and no outstanding payables. 

Once you go under contract, (here in Texas) fine a title company that works fast that you can trust, even before the contract is assigned know if they work with wholesalers and how they can help you.

Despite the initial low purchase price, our strategic investment and fast turnaround led to a strong profit, demonstrating the success of our collaborative effort with Amanda Frecks.

How fast did you sell it ?

STR markets are tough and change fast, best of luck!

Caution:  Personal credit card financing is a huge risk and good luck finding 0 percent interest today.

You missed an important item: Depending on how a person does #1 or #2, it could get them: A fast-pass to the "Principles Office" for "bullying" and now there sitting in "detention".... 

With today’s technology it’s certainly  possible to manage an OoS property (and many investors do).