30-year VA Home Loan Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Typical deals like that had short-term, variable rate 3-year bridge loans.  

Where you pay in cash and then take out a loan ? 

Escrow or settlement can also vary a little bit but it's all the and a' fees that vary: CPL, deeds, HOA docs, any special lender requests, troubled payoffs, insurance documents...A $200000 purchase with $175000 loan here is general estimate :  Buyer $714  Seller $1073 Going smaller sale price won't reduce the costs much as some fees are minimum floors.

Or is it better to wait out the seasoning period with your loan balance (I used a HELOC so no hard money lenders or balloon payments) and just refi out in 6 months?

@Eric AndrekopoulosHe could also sell them and not have to worry about if the borrower is paying or not - put the funds in a deferred sales trust and invest it in something less risky (not levered at 90% which is probably what it would be seller financed) and not pay ordinary income but have it taxed at qualified dividend.There is a reason why 99% of loans are originated by banks and not by sellers.

O have also taken the max loan out to buy REI, and paid myself back at 10%.

I am not an investor but a residential/commercial broker; I am new in BiggerPockets I was just customizing my preferences and Richmond is one of the areas as I do loans for primary, fix and flip, and rental properties.

10 unit multifamily is considered a small commercial loan, which limits your choices. 

Budget and financing options should be considered, including conventional mortgages, FHA loans, or renovation loans.By focusing on these factors and conducting thorough research, you can narrow down your search and find a vacation home with rental income opportunities in the Orlando area.