Question regarding investment loans

[Krishnan T.]

Hi BP experts! 

I heard that there are individuals investors who lend out money for purchasing. Hypothetically, If a traditional lender charged say around 4000 fees/closing cost etc and 5.5% rate along with a mandatory 25% down payment  ; Are there individuals who can lend to the same person at better terms beating out the traditional lender? : Say maybe 4.5 % rate and 15 % down instead? .

thanks!