I'm desperately searching for a financing option for my spec homes that will give me better terms than the 10-12% interest plus $10k closing costs that my current HML is giving me.I tried doing buyer-financed, but they haven't been selling very well (although I really haven't waited long, I'm just impatient).

HELOCs can be a great option! 

Investment Info:Large multi-family (5+ units) wholesale investment.

🤷🏽‍♀️✨I typically wouldn't reveal the address for obvious reasons but in this case, I didn't have many options since I only have one interested buyer (good or bad idea)?

And without cash flow lending options also become limited. 

I'd also restate to them that you are not going to involve yourself directly since that is their role, but that from her email it sounds like allowing her to early terminate with no penalty IF it is returned in good condition may be the best option.

I would go to an insurance broker and see what options they have.

When filling out the IRS SChedule E for a multi unit property, do i list each apartment separately or do i have to list it as a "property". 1 "property" has 4 units or apartments with different rental days and expenses, etc.

I just saw the part about FHA not being an option. 

You will then have a few options with that rent money....you can put it into principal or you can start saving it to purchase yet another property.