For experienced borrowers I can lend up to 80% LTC and 100% of rehab on 5+ unit apartment deals like this.

Buy a lot, build a rental propert, to be rented out 2026 for approximate annual income 150k.I understand I can borrow for 1 and (2 or 3), but that would put me under risk i don't want to take.  

How much tax do you owe and how much are you looking to borrow?

This allows you to borrow against your home's value.

Long story short, any owner-occupied property loan will require the borrower to show income that the lender can determine to be stable and predictable in their good-faith effort to confirm the ability to repay. 

For example, using 70-80% leverage could preserve your cash for more deals while maintaining strong returns.A blended approach might work: pay cash for smaller deals to avoid delays and borrow on more significant properties to spread risk.

And the Solo-K would enable you to borrow $50K from the retirement balance to use as you please.

to your point, if you save up so that you're in a strong financial position, house hack a solid duplex in a decent neighborhood, make smart decisions, and hold it indefinitely, you'll be fine.conversely, if you have $0 and somehow start out with a risky flip, or borrow $20K and spend it all on a magic mentoring program, or buy a terrible property in a neighborhood you've never been to, you may not be fine.

Alternative Lenders – Look for private lenders or debt funds that focus on asset-based lending rather than borrower experience.

If you leverage it by borrowing are you making any $?