The monthly cost is high, but we currently are cashflow positive about $1,200 a month.

However, here are a few strategies to explore:Local Real Estate Investor Networks – Join local REI groups, meetups, or Facebook groups where private lenders may be open to funding primary residences under the right terms.Seller Financing – If the seller is open to it, you could negotiate a seller-financed deal where they act as the lender.Community Banks & Credit Unions – Smaller local banks may offer portfolio loans with flexible terms.Wealthy Individuals / Family Offices – High-net-worth individuals sometimes fund private deals, especially if they see strong equity and repayment potential.IRA or Self-Directed Retirement Accounts – Some investors lend money from their self-directed IRAs for real estate transactions.Since you’re willing to pay higher interest for a short-term solution, a contract for deed (land contract) might also be an option, where the seller keeps the title until you pay it off or refinance.Would you like me to connect you with any potential private lenders?

Look for properties with high cash flow potential, good condition, and room for improvement, such as value-add opportunities.

I started a nonprofit to assist in ending homelessness in America.

@Spencer Douglas Did you end up unwinding from Anderson?

I ended up taking a different path.Also keep in mind some brokerages will require you to pick one or the other.  

I would highly recommend looking into syndications!

Talk about aiming high, right?

With value-add, I know I'm getting at least some of my capital out when I'm done and I'll end up with a house that should not need any significant cap-ex for quite a while.I'd do turnkey too if the numbers looked good enough but the reality is in the market where I have boots on the ground you're talking about close to 60k between down payment and closing costs for maybe $200/month in cash flow.

If you are going to get a DSCR loan, you cannot live in the home, end of story.There's plenty of qualified LO's around here who's job it is to find the best product for you.