I actually did have a question for you, while I have your ear.....What exactly is hard money lending?  

@Rashim Sharma your biggest challenge will actually be finding a lender.There are two banks that have offices in USA and Detroit that often will lend to Canadians buying in the USA.Can refer you to a Tax Attorney here is the US that has hundreds of Canadian clients with US properties:)

So the financial institutions get a better return  on there losses.

I have a term sheet from North Prime Lending, but I have never used them.  

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Conventional lending is not really an option as I am a college student and dont have much W-2 income at this time.

I didn't realize this.I know you aren't on the lending side per say, but follow up question.If I have two buildings in my name with total debt of $900k and I am looking to refinance one of them that has $500k debt, would the 45% DTI be based on the total debt ($900k)?

Hi, I work for a business lending brokerage (business loans, lines of credit etc.) based in FL.

The builder will know who is lending money for construction. 

But semantics aside.Many more institutional groups want to see tenure.