Hi Grayson, with you mentioning conventional 5% down and FHA 3.5% down, it sounds like you are referring to a primary residence.Private Lending/Hard Money Lending is usually on investment property (We can do primaries but it is highly regulated & varies state to state so most refrain from it.)If you are looking to get into a flip, long term loan, whatever it may be.If you have no experience & a solid fico, rule of thumb is 20% down.Hope that helped :)

I have a network of real estate professionals I know of - and if I have the opportunity to refer you to anyone, I will definitely do so.

@Nicole Portell - When you say a "multifamily unit" are you referring to a condo?

I’m happy to connect to discuss properties you are referring to.

I looked into Huntsville, AL, and Columbus, OH which are referred to as the best places to buy real estate recently.

It makes me cringe when investors think that DSCR means they're getting a nonrecourse loan with 100% LTV and cheaper than Conventional (speaking generally here, not referring to OP).

If you have any advice please leave a post and if you have a reference to lender that meet our needs please message me.

One of the greatest advantages of the U.S. real estate market is the relative ease of finding off-market properties, either through local or nationwide wholesaling companies, or by setting up a fairly simple marketing system to generate off-market leads.As a marketer and investor from Israel, I’ve been involved in these markets since 2019, so I have a pretty good sense of what you're referring to.

They only like to go deep in bigger amounts with proven performers and more regular prefs and split ratios.  

But if you decided to do your own thing, then ask for help afterwords, they would refer you to an attorney that handles this type of problem in your area