I'm using 8 checking accounts and a savings account to manage my rentals plus 1 additional account to manage any rehab projects.

I then thought of the idea to offer they a fixed rate if they private lended me cash on a short term (5-10 year) period.

- Are there areas that would work well as a mid-term or short-term rental in addition to long-term?

There are different types of investment properties, such as multi-family properties, single-family homes, and beach houses/student housing near universities, which offer income diversification, house hacking potential, and scalability.

For conventional financing, condos need to be 'warrantable' if the condo or HOA doesn't meet those guidelines it is 'non-warrantable' and there are alternative or Non-QM (non conventional) lenders that offer financing.

What terms are they offering?

Probably not.When I have offers due on my listings at 12 noon on a Tuesday, and Im calling all the agents who submitted offers to negotiate those contracts.....and the part time guy who is at his day job doesnt answer...what do you think happens to their offer?

I found a property, contacted an  agent, made an offer.

The new property should have some amount of cash flow, provide additional tax benefits, and appreciate in value while having your bills paid for by the new tenants and the new rent which in my opinion would be a better return on your investment than simply recasting your loan.

Whether you're an experienced lender or someone with valuable insights to offer, your contribution would be immensely valuable to me and others who may be considering a similar path.Thank you in advance for your time and assistance.