- Are there alternative financing options, like private lenders or hard money loans, that could be suitable for someone with fluctuating income?

Some lenders will call them points, some will just have points labeled as fees like orig fees, processing fees, UW fees, etc.

You could invest passively by being a private lender (earning high interest), being a money partner (getting equity and a return for no work), investing in a syndication deal (similar to money partner but on bigger deals where you are one of many investors), buying another investment property and hiring a property management company, or investing in stocks. 

@Deborah WodellThere was a guy who used to post on BP from Maryland who did private lending and was a fraud, changed company names many times and what he would do is write construction loans, fund the initial amount but didn’t have the money for the draws.

Jack,since you run Gelt and do private lending, think of being in first position on a loan with a private lender and that lender just randomly assigns the loan to someone else without advising you.

Hi Hemant,Private lenders will fund the construction of your ADU.

Perhaps setting up a private FB group and inviting those in.  

These two achievements will definitely help you in securing funding for future projects, as private lenders consider experience when deciding what leverage they're willing to offer you.

How Can Private Lenders Ensure Flexibility While Protecting Their Interests?

They are all quality tenants making at least 15k a month and seem very enthusiastic because the unit is fully upgraded with high end finishes and appliances with private garage and backyard.