I also do consulting.I help owners of real estate with creative real estate solutions that solve common, but complex, real estate problems.

You have to be pretty creative in anything you do.  

Have you spoke with a really good lender who can give you some creative financing ideas??

I have done two deals in Washington, but neither was done with a "creative" strategy and were pretty cut and dry.  

Yes, you need to refinance to pay it off and that means you will need to establish equity based on a future appraisal, not your old sale price, you need to have a conversation with your lenders before hand to ensure you can meet the future obligation.

You do not need to record the survey.. just have him locate existing pins.. then eyeball it for yourself.You can also ask for an Alta title insurance policy and that will ensure you for enchroachments etc.

I work with new investors on creative financing.

My fiancé and I recently bought a duplex to house hack, now we are looking at other creative opportunities to purchase additional multifamily properties or mobile home parks. 

Check out the creative financing forums, you may get a lot of ideas there

You just have to be creative to get good deals nowadays.