In the program, it appears that you offer a Pre-Loan Application-- perhaps this is how the program is legal?

Here's a breakdown on loan options to consider:FHA Loan: @Brittany Minocchi is right in looking at FHA option.  

They unleashed pandemic handouts and loan programs that greased the economy (this was not well thought out, contributed to the inflationary environment we are still suffering from and PPP and ERP loans were flooded with fraudulent loans and benefits)These programs leveraged existing corporate infrastructure (banks and the government had little or no operational involvement). 

More doors the better if you are using an FHA type of loan.

I've also used traditional loans through regional banks and a few SBA loans. 

I can only imagine that they got a bunch of big time investors and business loans to grow this out.

For context, I will be assuming his VA loan at 5.1% and he will be doing seller financing for the remaining equity and sale price. 

You could get a loan from a local bank or private lender to fund it

Now my investor network as expanded and the best split I have experienced was 65/35 in my favor but I invested 40% of the cash and created over a million in imputed equity before any investor dollar was raised allowing me to originate a bank loan at 87% LTC.

Possibly using mortgage/home equity loan on one unit we own to buy an extra one.3.