Does our money get spread across multiple notes in a fund?  

There are multiple local groups and meetups you can try attending here to connect with more ppl 

@David ShirtsIn my experience, seller financing can be a game-changer, especially for properties with clear titles or when traditional loans aren't an option.

When it's time to sell, I consult with multiple brokers, the experts who know their stuff.

Instead of tying up your capital in a high-cost primary residence, consider taking the would-be down payment and investing it in out-of-state properties.This strategy allows you to diversify your portfolio across multiple assets, spreading risk while potentially generating cash flow and building equity in appreciating markets.

Overall sale prices of homes are lower than most areas so that 100-200K can be multiple down payment on investment properties.

I have tons of clients doing this with multiple homes now.

If the property has multiple meters they're most likely going to see it as an investment property and I think you're going to  be hard pressed to find one doing 5% down.

I would look at private money lenders who can consider giving your a line of credit based on a multiple of the cash you have. 

I've tried a couple - truepeoplesearch, white-ages, property radar, leadsherpa, batch leads...Some services are better than others, but it is a numbers game and you also can cross check between different platforms.