Types of Private Lending

[Dave Poeppelmeier]

Hello, I had a question regarding Private Lending/Hard Money. I have spoken with a couple of local lenders and what I keep hearing is 20-25% down. I have 3 SFH and have performed a flip, so I have a better idea of what I'm doing and have experienced the Money Pit house that gave me a lot of "experience". That house killed our Reserves but now all 3 houses cash flow. I want to keep building my portfolio but now I don't have a lot of money up front. Has anyone ever heard of lending with less money up front but a much higher interest rate so I can refinance on the back end and essentially "pay" then? Or is it 20-25% or go home. Thanks!