Who did you use as your lender? Ocean City is a town driven by condos. All of our local lenders know how to get loans closed. I don't have as much faith with lenders from out of the area. I know several excellent lenders in this market as I live and work in OC.
Aside from dealing with someone locally, it really is like finding a needle in a haystack; I don't have any Sellers who are interested in doing owner financing. Most just want to move on. That said, if you send me your criteria I can search for potential properties that might offer to hold the note for 5 years. I can be reached at 443-235-3828 or firstname.lastname@example.org.
Prudential PenFed Realty - Salisbury Office
801 E. Naylor Mill Road; Suite F
Salisbury, MD 21804
O) 410-912-4700 C) 443-235-1240 F) 410-912-4701