While algorithms can analyze data at scale, real estate isn’t just about numbers—it’s about nuances and the most important component of real estate is understanding its value, and that to me (maybe I am old school) but can only be done by physically visiting and walking the property.So for me, factors like local market conditions, property inspections, and borrower credibility can’t be fully captured in a formula.

The financing structure includes a hard money lender holding the first lien and private money lenders holding the second lien.How did you add value to the deal?

Some fear losing control, while others are unsure how to structure a fair and profitable partnership.

As a cross-border investor, I'm likely going to need advice on entity structure to protect my liability while also not being double-taxed, I'm going to need to network with experienced investors/property managers/agents in the Cleveland area.

You could structure the deal with seller financing to bridge the gap.Possible offer structure:-Purchase Price: $170K - closer to actual value-Down Payment: Low or zero down to conserve cash-Interest Rate: 3%-5% - or better yet, 0% if the seller will agree-Monthly Payments: Interest-only or deferred until the sale-Balloon Payment: Full payoff in two years when you sellIf he wants $200K, you can still make an offer of:-$170K purchase price + $30K as a second lien due at closing-Seller carries $170K at a low interest rateHe would feel closer to his number, but you still keep within reasonable investment limits.2.

While his loan isn't assumable, you could structure a deal where you take over payments while giving him equity in a seller-financed second note.

It’s not easy to look past the skeptics, but your approach clearly paid off.As a Direct lender, I appreciate seeing how you creatively structured the deal with owner financing for the purchase and private money for the rehab.

The financing structure includes a hard money lender holding the first lien and private money lenders holding the second lien.

No problem if the salary structure is the same, but if there is any sort of commission income involved, and you need that commission income to qualify for the refi then waiting could cause issues. 

How do you typically find your lenders, and what’s worked best for structuring deals?