Are there any hard money/private money lenders that openly allow you to wrap their money with a note to an end buyer?

Also, I can help you on Creative Financing with land so you don’t use your own money or private lenders.

It depends on the type of lender and their risk appetite.

Most commercial lender don't see this is a commercial property, and most residential lenders don't see this as a residential property.

FHA loans will have mortgage insurance no matter which lender you go to, it's a feature of an FHA loan.

Different lenders for different situations

Anyway, its the first time I have been involved as a defendant and lender in a dispute between the borrower and a neighbor.   

I say that because I have spent over a decade managing risk for a large multifamily lender, and as a result, I have found myself quite risk averse - to the point that I am just now getting into investing in real estate for myself.  

Do any DSCR lenders appraise on the basis of ACTUAL rent?

This clause gives the lender the right to demand full repayment of the loan if the property is transferred without their approval.