There are no penalty fees for paying off the loans early, FYI.Anything in this workflow that I'm missing? 

They suggested we refinance a loan of 600k with me on it.

Although it was in good condition, we earmarked some funds for further improvements, including repaving the driveway, installing a new privacy fence, and making select upgrades and repairs inside the units.One of the standout features of this property is its prime location near the vibrant downtown area of Bryan, with easy access to restaurants and shopping, which added considerable value to our investment thesis.Initially, our plan was to utilize the duplex for Airbnb rentals.

I chose the creative finance path because I started out as a loan officer bailing out pre-foreclosures, which you could do back in the day. 

Is it possible for me to get a loan? 

It's far harder to qualify for conventional loans if you're a business owner or self-employed and that equals opportunity.When I look at doing a potential owner finance deal the most important thing for me is skin in the game. 

Getting pre-approved for a loan will be key.

Financing does exist to provide 85-90% LTC for rehab loans, but still requires 10-15% down + closing costs + reserves to start your rehab.

Conventional loan with a local lender and 10% downpayment.

I initially put down 20% on a primary residence loan.