This 100% financing for a duplex seems too good to be true..

[Adrian Caminos]

Please let me know if this private financing from Below is a sample of the loan repayment schedule for the loan amount of $85,000 for 25 years term. Review the numbers and let me know if you are comfortable with the term. 
NOTE: There is no prepayment penalty and there is a 6 months grace period before repayment. 
LOAN REPAYMENT PLAN 

Loan Balance: $85,000.00
Loan Interest Rate: 5.00%
Loan Fees: $1,350.00
Loan Term: 25 years

Monthly Loan Payment: $496.90
Number of Payments: 300

Cumulative Payments: $149,070.92
Total Interest Paid: $64,070.92
Note: The monthly loan payment was calculated at 299 payments of $496.90 plus a final payment of $497.82.

[Jeff S.]

The rental average, estimated repair costs, and all financial analyses are irrelevant, @Adrian Caminos.  This is a scam.

You answered your own question in the title.  Of course, it’s too good to be true that a stranger would loan to someone with presumably little or no real estate experience at 5% for 25 years.  And take all the risk with a 100% loan?  Seriously?

There is not a private lender on the face of the earth who is loaning in using these terms - to anyone.

I imagine you found this person online or he found you?  I bet you’ve never met or obtained an independent reference.  He will ask for personal information, which has value and can be sold.  He will almost certainly ask for money up-front.  Under no circumstances should you send anything.  Not for a credit check, not for an appraisal, not for anything.  Many private lenders don’t require these.  For example, we do our own valuations – as do many private/hard money lenders.

Even if you can look up his LLC and license, if required in your state, you still don't know that he really represents the company. Don't think this can't happen? We are going thru this right now by an imposter with a fake website and phone number.

Do yourself a favor, Adrian, and stay of the web when looking for lenders.  You have no idea who you are dealing with.  Meet your potential lenders face-to-face at real estate clubs.  Always insist that all payment be made through a neutral party like escrow or a closing attorney at time of closing.

It can't be repeated enough; the best way to protect yourself is not to send personal info to strangers and never send money up-front.

You used some common sense by asking, Adrian.  Keep it up.