Is there any other creative financing options that would work?

I know it's not possible to do FHA for more than 4 residential units, but.....creativity?  

I even saw a news story out here in California a week ago about a community in LA that is stating it is difficult to sell homes that are located close to air BnB homes.Very intriguing articles though and how creative people in this industry are to be successful and make a $$$

Again, no lump sum cash, and not increasing cashflow, but cutting the term in half.OPTION #3: This was the most creative option (bank suggested it).

That way we can incorporate new properties as purchased.

Thank you ahead of time for reading as I am excited, but at the same time feel I need to have a solid plan and everything organized ahead of time.As someone who is newer to real estate, but with high goals and expectations for myself, I am always looking for creative financing and ways to make deals work.

open to any other creative ways to structure this! 

That being said, commercial analysis also incorporates Current Ratio which effectively replaces a reserve analysis.  

Any creative strategies that people could share?

They would have less say in the property but when you go to refinance or sell in most instances they would automatically be set up to get paid off.There are a lot of other creative ways you could probably do this, but these are the first two ideas that come to mind.