Insurance is easily the most confusing topic in private lending, @Rogelio M. 

Simple, get the book: "Lend To Live".It's "the Bible" of the lending business and it's featured here on BPhttps://store.biggerpockets.com/products/lend-to-liveMike

And nobody is going to lend on a new construction loan to someone thats never done it before and doesn't have at least 20 to 25% to put down. 

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?

“Long term” lending doesn’t cut it.

Either as a JV partner with equity or a private lender that would lend you money towards a project.

Prepaid taxes and insurance, any lending fees, points, surveys, settlement fees etc

You can couple that news with the news out of China today that they have decided to cut their interest rate, lower Bank Reserves, (banks can lend more money) and make it easier for people to buy houses and they are also actively pumping money into their stock market which is to say we were going to have the massive inflation going forward.

I have also got into lending as well.

They typically want two years of work history before they will lend to you.