**Private Money Lenders**: If traditional lending sources aren’t providing favorable terms, private money lenders can be a viable alternative.

Stanley (Author), William D.

I currently live in Silicon Valley but house prices aren't feasible for me here.

I'd consider myself in line with an "Accredited investors" since I work in the regulatory finance industry, and have worked at a security regulatory authority empowered by the SEC.  

In my experience its best to call the local authorities and verify in a call then on paper/email that it is in fact a triplex. 

Kind of a misnomer since you aren't really "refinancing" any previous loan, but new debt on a previously owned property that was owned free and clear will still have "refinance" terminology label.Correct on not needing to see a history of rental income - just forward-looking, there will be some variance among lenders and situations though whether the refinance can occur only after the lease has begun or if they will allow the refinance with just a signed agreement but not yet commenced (i.e. if the tenant signed an agreement today 9/10/2024 for a lease starting 10/1/2024)

With real estate, some of the biggest pluses aren't seen in ROE (or ROI for that matter, at least until you sell), namely appreciation, principal paydown and depreciation as a tax write off.

(Agreement with your client that grants you the authority to collect on this alleged debt.)

Lawyers aren't cheap, but I think it was 100% worth it. 

I want them to know that I am accountable for my properties -- and that I am the final authority regarding my properties .