Be very clear with your lender rep about this point, and see what, if any options, are available with this outcome.If anyone would like a recommendation for a as-is based DSCR provider that I've had the most success with, please reach out privately.

I can get a conventional loan, however, I would prefer to use a hard money lender or private lender to fund my first deal.

Have you ever partnered with a private or hard money lender for a real estate deal?

What strategies do you use to connect with private lenders willing to fund high-risk real estate investments?

To get started, educate yourself with resources like "The Book on Private Money" by Matt Faircloth.

I am actually trying to lock down a private money lender so I might not need a traditional bank for the loan. 

North Coast Consulting Group , we are a private lender  TED, you posted you have " A LOT of props you want to sell" what's up.

Each of these markets has its pros and cons, from rising property values to varying regulations on short-term rentals.As for financing, beyond traditional mortgages, you could explore DSCR loans (especially useful for rental properties), private lending, and even seller financing.

If you private message me I can send you some questions to ask when you are interviewing.

Or is private money basically the only option?