You won’t find many seller-financing deals here, so if you're looking to scale quickly, your next best option is the BRRRR method—using cash or hard money to acquire properties and DSCR loans to refinance into. 

If it is someone you know you can give them a straight return as if its a loan - can provide a lower interest rate to provide upside - it really depends on the lender and what are they concerned with and what is their risk profile. 

I read that one of the requirements for getting your second FHA loan is having a change in family size.

SubTo is taking over someone elses loan.

I flip with cash, not loans, mainly because there are not enough deals out there that meet my highly selective acquisition criteria, so no need to pay interest on cash otherwise sitting in a money market account. 

So i put in an offer for 10% down conventional loan, $530,000 with 10k back to me for closing costs and it was accepted right away.

I might have a private lender referral that does rural loans in Mid-MO if you're interested. 

The interest rate on a HELOC or Heloan may be better than the personal loan. 

We've utilized the VA loan for our current home, and this strategy has worked well so far.

Kieran, the best bet here is to refinance with a DSCR loan.