I've heard of (1) another investor who has private lender financing to fund 100% purchase price + light rehab + furniture with 5 year term at 10%, (2) someone else who has an institutional line of credit for similar projects at 7.5%, (3) another investor who was able to raise a blind 10 yr pool of money for corporate housing properties at 6.5%.

So my question is, has anyone seen how the owner finance space reacts and how it would cope if interest rates were to say reach 10% at the institutional levels?

All institutions I have been dealing with so far had a secured website where I could upload all personal docs or they used Docusign for signing documents.

Our biggest housing crash in decades happened because banks and lending institutions got willy nilly on their policies and were making exceptions all over the place as to what they called a 'qualified borrower". 

I've heard about Goldman Sachs and other large institutions buying thousands of loans and holding on to them (punishment for the its role in packaging and selling toxic mortgage-backed securities in the housing meltdown).

These are only available for $2m+ institutional quality assets, however.

Looks like institutions or individuals are moving away from lien investing as overall interest rates are going up on other investments - but the overall winning tax lien rates this year went down to 4.52%.I eliminated the "Struck to County" liens which are the liens nobody bid on and are now held by the county.

Depository institutions (big banks and CUs) and internet lenders are where you want to go to save $37/mo by refinancing to drop your rate 0.125%, or where you want to go when you want a HELOC.

if anybody knows people who are involved with buying and selling non performing and performing notes please list there names by replying to my post, thank yousome other strategies that i've came up with to find notes for sale are researching institutional buyers and sellers for mortgages back securities 

Hoping to find an institution that would be open to a refi loan that is not DOS, any advice would be greatly appreciated.