Alternatively...Have you approached the seller to  see if they are willing to carry? 

The safer alternative is to do a HELOC, but then you have exposure to future interest rate increases.

Depends on your situation which would work out best.On the selling side, again you have two main options, list for $1M with a listing commission % (of whatever you choose) and still offer selling agent commission as standard for your area, or option 2, list with no list commission and lower your price by the commission amount it would have been to attract more buyers at a "lower list price".I have done both and it was all situation dependent.

The alternative, is that the firm dos SO MUCH in real estate, that the oddball cases pop up enough to get experience (not a one-off). 

I use it as an alternative as needed.

Happy to network and assist and be another resource  to you and your clients for alternative real estate loans in California.

Her work history restarted because contract work isn't viewed the same as having a FT W-2 position...them's the rules.So she needs an alternate funding mechanism like a non-QM lender, and fortunately there are more of those available now a days.

You could use the cost seg but elect out of bonus depreciation as an alternative.

Alternatively, check local rent listings to find comparable units.

Heck if the alternative is a $750k bridge you could offer to build them a garage or large storage building on the access road you ar willing to build for them.