The loan could be secured by the property as a note and mortgage and that way you define the payment structure and interest rate to pay them.

And those that still write policies, have raised the rates a LOT. 

As such, I'd let the "2 years in the last 5 years" rule lapse given the low interest rate I got on the first and how well it is cash flowing.

Investigate rental revenue prospects, market trends, vacancy rates, and regulatory issues in possible investment locations second.

Would I keep the deed in my name until it’s paid off or would it transfer to the buyers name and only revert if non payment is an issue?

Median home prices skyrocketed during the pandemic and rental rates couldn't keep up. 

I would say look for a hard money lender actually - you won’t need to verify income or anything, they usually care most about the deal itself and this deal seems like it has great potential also when you’re starting out, it’s going to be difficult finding private money fast and they’re not going to trust you as much so their rate will be higher, hard money lenders at that point have the same rates as them!

Also track rental demand, vacancy rates, and prices.

Perhaps agents need to reconsider that and offer some tiers and some capped rates.

A temporary market imbalance, combined with cheap borrowing costs (ultra-low interest rates).