Best of luck @Ryan Zapoticky

However, the current vacancy is hurting your cash flow, the paused refinance poses challenges, and ongoing capital expenditures can be significant.Short Term Rentals: These can generate higher monthly income and offer flexibility to adjust rental rates based on market demand.

So your best bet is to find another lender if you find specific items that you do not agree with 

New to BP my name is Danny and wanted to get some suggestions on the best strategy as I look to purchase my next home.Got my real estate license in ‘22 but never hung it as I don’t intend to be a full time agent.

The CPA is probably going to be the biggest challenge...Best of luck!

That is where some of the best negotiations happen.

All you'd need at that point would be RE attorneys for the contract and formalities.To find recommendations on seller financing deal structure, I'd start right here on BiggerPockets by using the SEARCH feature and playing around with different keywords i.e. owner financing, seller finance deal structure, seller finance terms, owner finance terms, etc.All the best!

Locked in 3% rate from previous owner How did you find this deal and how did you negotiate it?

We’ve been full 90% of the time at 1.6X the LT rate.

My question is would you guys rather sell stocks and take a long term cap gains at 15% tax rate, or take a loan and keep the stocks growing.