Hard money lending is based on taking a mortgage on an asset and no lender is ever going to take a mortgage on a property overseas as he/she doesn’t have the infrastructure to take the property back if push comes to shove.

It will be a mortgage on the home, so I will be paying a monthly note.

"For purposes of enforcing the due-on-sale (or due-on-transfer) provision, if any, in the security instrument, theservicer must consider all of the following situations to be a transfer of ownership:- the purchase of a property “subject to” the mortgage loan,- the assumption of the mortgage loan debt by the property purchaser,- any exchange of possession of property under a land sales contract or any other land trust device, and- in cases in which an inter vivos revocable trust is the borrower, any transfer of a beneficial interest in thetrust."

Simply put in your mortgage amount in and see what your numbers would be.  

If you don't have any debt, a 750+ credit score, and income, you should not have any issues being approved for a mortgage. 

Basically a mortgage. 

I’ve been doing BRRRRs in Memphis and Detroit since late 2020 and now have 9 doors across those markets. 100k with the right deals can allow you to scale to about 8 or so doors that all cash flow (after taxes, insurance, property management, mortgage) about 400-500/month each.

I have been using a HELOC (8.3% interest rate) for Mortgage notes to make 10-12%.

Paying down the current mortgage wouldn't change your monthly payment, it would only reduce the amount of payments due.

Your best bet would be to get with an agent who knows what areas are already zoned properly.