When I am seeking lenders that hold their own paper I (1) go to the local REIA and find out who partners and lends privately, but that will take some time building relationships (2) go to smaller more localized banks, not mortgage lenders or brokers as they by definition are selling their loans.I have also found that if you go to banks in smaller markets outside of the metro, where there is only one or two offices that you often deal directly with the bank president and can make some great loans and connections.And I just posted this on another question - but go to local REIA meetings, meetups and the like, talk to people, vendors and build relationships and you will be able to get some great referrals - just like here at BP, only live and face to face - I think there is even a live BP meeting in Waldo this week? 

I will be owner occupying this property and need to give notice to one of the tenants (I am actually planning on giving notice to two of the tenants, as I have a old tenant that was great who is looking for a bigger place).

We agreed for a year lease with 90 days notice if he is going to end his lease.

Also, come out to our meet-up in London to chat about how to use private money to grow faster.

You'll notice quickly that there is a common theme throughout the information and you just need to figure out how to apply it to your particular situation. 

Can you take out a heloc on your private residence and use that as downpayment for flip financing?

Many people are shifting to the financial side of real estate investing like private money lending, owner financing, tax lien investing, or note investing (non-performing and performing alike.) 

I noticed someone say 8-12 months, but I don't know of a value they have in mind.  

More notice next time if you can.

I have noticed potential agents/tenants tend to avoid going to homes where there is a current tenant.On the other hand, does the increased marketing exposure help get it rented without vacancy?