Im not talking about loan product knowledge or non QM programs, I mean above and beyond all that? 

How would an owner financing loan look like if a home is for sale for $399,000?

You are not likely to find a  30k loan. 

I recommend finding a property that needs some updating, and not not using conventional mortgage- but rather a hard-money loan.

Finally on 4/2/24 the PM got an update from HUD (the document was dated 3/22) that HUD was only going to pay $3 of the $1025 rent and the tenant was responsible for the remaining amount.

Use a 203K or homestyle loan to finance your renovation and leverage the project management.

Ask to see the minutes of the Council meeting where their STR regulations and excise tax were discussed so you can see not only what the final outcome was, but also see the comments from the staff and council members so you can see if they were entirely in support, somewhat in support, or strongly divided.

Im looking at DSCR loans and possible other hard money ideas.

Often owners need these documents to be able to apply for a loan, a refinance or the like.

Your loan size will also effect the rate as a lot of the better non-qm financing have loan mins etc.