Refinance the mortgage down to the 75% LTV which will save you 1% on the rate but deplete some of your cash, then use a HELOC to recoup the 5% + gain an additional 5% if you find a bank, (Bangor Savings) that is able to lend up to 85% LTV on primary residence HELOC's.

Meanwhile your place sits empty.Landlords who work with the program like it because the funds provided are in your account the first of each month. 

I'm considering of selling my over budget single family house as a seller financed house to a self employed business owner home buyer and I become the bank.

Way more multifamily units (not even counting another 675,000 single family units under construction) than new household formations coming for 2024.Operating expenses, including taxes, insurance, maintenance, etc. are skyrocketing, and likely not all fully absorbed in the average property.And, alternatives that produce more cash flow than a 5% cap rate (average for prime multifamily real estate currently) with less work and less risk, like private lending, short-term treasuries, money market accounts, etc. 

I also ask for 3 months of bank statements and paystubs. 

@Andreu Ferragut - save your cash and go with bank financing (or hard money). 

@Ron S. would you be able to point out any verified and documented incidents of the bank calling a loan due to "subject to" financing lately. 

Account Closed alluded, work on you income stream.

I was going to pay $1k to turn it on and on top of that, the bank wasn’t willing to negotiate the property price to give me a hand to proceed.

If I could go back in time, I would go with Community Bank as they do a 3% down, no closing costs deal for investors who move into the property.