It’s an interest free loan but it’s not a gift unless you die in less than 27 years while still owning it or it’s 1031 exchanged property. 

I was going to take the FHA route try to get a unit property, but my problem is my DTI is high due to my student loans and a car payment so now I am a little discouraged on how I can get started and also get funded my Linda informed me that I can use an alternative person for the income, but I don’t have no one to use it just me and my income is not good enough so I’m not sure on what to do as far as breaking into Real Estate  I feel like it’s just not going to happen for me 

@Jeff BroganWhen does your hard money loan mature?

Unlike traditional bank loans, private lenders offer quicker approval, fewer requirements, and the ability to customize loan terms to fit the project.

Hard Money Loans: These are short-term loans from private lenders based on the property's value rather than your credit score.

I already used up my VA loan on two properties in Washington state.

I think it's just brokering loans to them.  

Also it would be worthwhile to speak to a financial advisor on how to best diversify your portfolio and maybe you can even use your currents investments to get loans for real estate. 

Quote from @Clint Miller: Anyone here in the community used construction loans to scale their development projects?

I will say I've done far more loans for people, the majority of them out of state investors, in Cleveland.