Lenders typically originate the loans to investor specs using a warehouse line/line of credit (meaning borrowed money the lender is responsible for), then immediately (within 30 days) sell that loan to an investor.

Be sure to factor in the effect of Unrelated Business Taxable Income (UBTI) if you borrow money (non-recourse loans only) to purchase the property by the self-directed IRA. 

Hi James,We at Aslan do these types of mortgages, however there are some limitations for most lenders.For FHA, VA, and Conventional Energy Efficient Mortgages the property must be occupied as the borrower's primary residence, so they are not eligible for investment properties.

We have a few of these programs on our platform BUT my first question to borrowers who are seeking this is: what experience do you have?

SEASONING is the reason you can not borrow 75%. 

They will also have tight guidelines and likely the borrower will need to be very well capitalized and qualified.

Hi Gabriel, How much were you looking to borrow? 

He didn’t have to be on title because he was co-borrower, he had to be on title because it was his exchange.

The credit has to be rebuilt and there are special ways to do that, which make it go faster for the borrower. 

If you cash out equity in a property, you are "borrowing" that money from the lender.