Finance was a combination of a few different vehicles and ultimately ended with a HELOC which was then used to fund multiple other projects over the years.

However, there are lenders who offer more flexible terms or even no prepayment penalties, depending on the deal structure and your investment strategy.To find such lenders, here are some options to consider:No Prepayment Penalty Loans: Some lenders, often private or portfolio-based, offer DSCR loans without prepayment penalties, though the trade-off might be a slightly higher interest rate or fees.Yield Maintenance or Defeasance Alternatives: Ask about other prepayment structures like yield maintenance, which can sometimes be less restrictive depending on market conditions.Custom Terms: There are lenders (like us at Phoenix Funded) who can structure loans tailored to your needs.

Most hard money lenders will fund 70% of the purchase price and 100% of the rehab costs.

And then what will your funding look like? 

I have never seen a TIC crowdfunding fund - have you? 

And it makes it easier for an investor to roll their preferred returns back into the fund if they so desire.- Our current preferred return is 12% a year, for a 3 year term (keep in mind these funds along with the notes that they purchase exist within a marketplace so returns fluctuate depending on the offering). - ACH payments are received by investors on the 1st of every month, so participation in our fund is a purely passive investment vehicle that's open to accredited investors only (and like Patrick said above, accredited or not, anyone can purchase a note).As an added bonus, investors in our fund can redeem shares to purchase notes upon availability. 

I'm using my VA loan so I don't have to put any money down & can keep money in my account to fund rehab deals. 

But that extra $7200/year will go a long way in paying down your loan faster, build up another downpayment fund, pay off other debt, etc. 

We utilized Partner Driven's proven funding model, leveraging our capital resources to close the deal with cash.

Hey Laura,I provide EMD and Double closing funds for Wholesalers.