I highly doubt any institutional lender, big or small, will provide a loan without insurance.

It all comes down to your goals and if it makes financial sense as to which direction to go

I was offered LTV of 54%, 6% rate from a commercial lending institution but that LTV isn't feasible for me and was definately a lower LTV than I expected.

You want an accountant who can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.There are over 20 real estate accountants on this site.

The biggest issue I’ve faced is unreliable syncing with financial institutions.

I don't mind that, but the way this is set up is so that the tenants could delay the sale 6-9 months without ever having to prove they are financially capable of buying the property in the first place.

How quick do you think you can be financially free if you don't have a job for $250,000 a year in today's economy? 

However, there was no formal agreement or contract between us regarding the ownership or any financial details related to the property.

https://www.linkedin.com/in/bobprisco/AboutThanks for taking a minute (or two) to read about what we do and why it might benefit you too :-)At first glance, we might look like JUST another real estate investment firm.A firm specializing in helping regular people (like us) achieve true financial freedom, reducing risk, maximizing passive income, and saving on taxes…One that delivers 100% hands-off turn-key rental properties to our investors from around the globe.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.