Most of my clients run their SFRs at a 25%-30% (excluding vacancy/credit loss) operating expense margin and most of the banks I deal with on their DSCR loans underwrite using 35%.

If you can't get a bank to lend you money on a property, that might be a sign. 

So on my Canby Oregon project 90 homes I did the PPM route with only 5 investors where I own majority and it is me that gets the bank loans etc and runs the project investors are all passive.

If you’ve ever wondered how to invest in real estate without breaking the bank, this could be the perfect starting point.What is House Hacking?

Philadelphia has implemented various forms legislation over the years between abatements, land banks and density bonuses geared towards promoting development in areas that suffered from disinvestment and housing affordability challenges with some legislation having been more effective than others. 

Talk to a few local banks and get preapproved - the best financing will be for properties you choose to occupy, so I'd recommend getting something with at least two units.

I'll post updates here in case anyone wants to follow along.We syndicated in the states to fundraise enough for architectural renders, entitlement, legal, and to pay off the land. 1/4 of total funds required have been deposited in our bank account.Convinced a world-class architect to do luxury design for us.

The traditional carriers you mentioned are not good options in this space.  

Do you just do a typical loan/mortgage with a bank and use money in your savings account to put a down payment.Just trying to figure out what is the best method to put a down payment.

My thought is is use the Rent Ready feature of reporting his payment history to the credit bureau so it can work in his favor as a trade line, but I'm wondering if this is an unnecessary added step since he can already pull transactions on his bank side.