Get about 10% or better interest rate.That encourages them to pay it off earlier or refinance the note.

Borrow against your 401k, ask friends/family to borrow the money, get a HELOC/refinance your home, and look into seller financing (rare these days). 

The longer I were planning to hold it, the more likely I would be to do the refinance.

Once you are the owner, you can choose to refinance or obtain a HELOC.

My goal with owner carry was to be able to refinance at the end of the term of the agreement in order to reduce out-of-pocket costs.

My brother and I purchased the property in cash and were told to look into delayed financing or cash-out refinances to get whatever money a lender would allow out to continue to put into more properties. understanding it would probably only be 75% LTV if approved.Our only problem is that due to the value of the duplex being under $100,000 most lenders won't lend on that right now "due to covid" as we have been told.

However I am looking to refinance these loans with private capital that is not backed by Fannie and Freddie.I will still have 10 mortgages but they will not be back by Fannie and Freddie and will be funded by private capital.

ie: buying the land with VA , building on it and refinance or rent or sell?

If I were you, I would cash out refinance my dream home and I would buy some investment properties or stocks or both, and also list my home on Airbnb/VRBO at an insane nightly rent like $1000-1500/night and go find somewhere fun to travel to, every time I get booked.

If you can refinance and get your money back out, you can do it all over again.