HML w/ no proof of funds for down payment - Recommendation?

[Adam Budgin]

Hi BP,

I'm looking for a HML that is lenient with proof of funds for a down payment. I have a few duplexes already and looking to further scale using hard money fund the acquisition and rehab with private money utilized as a portion of the down payment (unsecured). I've spoken with 5 reputable nationwide HML's s far, and all have restrictions around proof of funds for the down payment. I'm planning on having skin in the game and contributing to the down payment, however, leveraging OPM free's up my cash to be able to scale quicker. Does anyone have any recommendations around this or a HML they've worked with in the past under a similar situation? Thanks in advance!