I am an old head in the game and started before many forms of private or hard money lending existed.

Everything is all private with seperate entrances but the meters are split (70/20/10%) between the 3 units.  

Traditionally, I've adhered to the 20% or higher down payment rule to secure better mortgage terms and avoid Private Mortgage Insurance (PMI).

What role do private money lenders and hard money loans play in creative real estate financing, and how can investors effectively utilize them?

I seem to remember that in the offer or purchase agreement the seller's reimbursement cannot be explicitly labeled as reimbursement for the buyer's commission.

They are acting as your private lender.

As a private money lender, I'm curious to hear what makes an ideal lending relationship for you and how I can better support investors looking for flexible and fast funding solutions.

She used a lot of private lenders and wasn't a high income earner.  

I no longer work from a place of scarcity.I set myself up for success and work from a place of abundance.I have built my cash buyer list to close to 5,000 buyers, invested into a coaching program for private lending, and developed multiple exit strategies to be ready for any situation that presents itself.It let's me earn $40k per deal consistently today and occasionally hit some $90k+ homeruns.Embrace your mistakes, learn from them, and adapt.This is the only way to grow.

In our experience, buyers always add 2-3x the actual removal cost.I love wholetailing because we get the speed of wholesaling and the margin of flipping by doing a little bit of both.You just need to be able to get the liquidity to support the transaction, which we do through private lending.We always use other people's money to make our own money.