You need tax returns for conventional or FHA, if you want to go private or hard money, it is going to be 20 % down. 

I read 'The Bankers Code' by George Antone and it drew me to private lending.

And if not, what groups or people do you recommend I talk with regarding private money lending for amounts that would allow me entree into Sub-To deals that require lower capital entree fees?

I've since bought five notes, and two private stock offerings.My parents have bought maybe five properties over the years in their SD IRA.

These type situations can only be achieved through the use of private mortgage money.  

so much private land has been logged and replanted since then.. in those days we would buy a 40 lets say for 150k  take 200k of timber off of it then sell the land on contract for same price then hypothicate the note to pull out more cash rinse repeat.. we also would use our logging roads and staging areas stratigically so when we left the roads were in the right place to do a 4 way lot split and the landings/stagging areas became the building pads.. in the NW permits for logging are not tough.. in those days it was over the counter and there was nothing you needed to do with regard to excavation.. however if I just bought the land and wanted to put in roads and pads then I would have had to get a grading permit and all the survey and engineering that went with it.. its was really something how we did that.. and I miss it to this day.. the other item that made it so profitable was Japan was paying premium for Export quality doug fir logs.. you could get double or more for export logs.

Since tenants are not all the same schedule, there are no bottlenecks for kitchen or bathrooms use.Lower level: Large unit for the onsite-manager with private kitchen and bath (has windows in every room but is partly below grade), plus the common area laundry room, and managers’ tool room / storage room.What made you interested in investing in this type of deal?

Sub toOwner Carry Private money What made you interested in investing in this type of deal?

Even though I faced failures and challenges, I'm grateful for the learning opportunities they provided, because they have forced me to learn how to analyze deals the right way instead of let them be provided to me.Lastly, I want to highlight my background as a first responder with almost two decades of service in one of the nation's busiest departments.

This COULD result in removing your private mortgage insurance.