Looking for Private Lender

[Sean Wilt]

Hello,

I've been studying the fix and flip market for 10 plus years and am finally ready to get started. Looking to line up funding and am looking for a PML that can supplement a hard money lender or perhaps do the entire deal. I currently am set up in the system of an Atlanta area HML where they will fund 85%. Looking to get as close to 100% as possible.

I have about $350k in a money market account so have funds, but wife wants to keep the $ in the account and not use it for real estate investing.  I have many years of high w2 income and can easily provide tax returns, etc.  My credit score is 780 and I own 3 homes (1 personal and 2 high performing STVRs).  So all good on finances/credit/employment/etc.   

Would a PML be willing to go alongside a HML to get to 100%? I've read some posts and looks like the HML may not like that, so would a PML lend the 15% shortage from the HML and could you do that without the HML disclosure? Not looking to pull one over on anyone, just trying to figure out how a person with excellent credit and assets could get a 100% loan and if that is even possible.

I am in NW Georgia about an hour north of Atlanta.  Goal would be to do 6-8 flips/year.  Typical purchase price would be $125k-$250k.

Thanks in advance!