Hard money and or private lenders are much more likely to call the note due for violation of the due on sale clause then institutional lenders are.5.

@Chris Blackburn Hey Chris, that's pretty standard from what I've seen in my experience, especially if the seller is an institutional client.

There's an industry group for this type of construction:  Manufactured Housing Institute. 

Please helpContact the district attorney/state's attorney/whatever and institute criminal charges.

They tend to be more flexible than institutional lenders and may lend based on the equity in your property or its ARV, rather than focusing on your income or DTI.If you have any connections with investors or family/friends who are looking for safe investments, you might be able to pitch the project to them, offering them a higher interest rate than they would get in traditional investments.Advantages:More flexible terms.Negotiable interest rates and payback periods.Considerations:You’ll need to clearly outline the project’s profitability and how you will repay the loan, usually through a refinance or sale after rehab.

I happen to agree with most of the folks on this board that this kind of structure is overkill.Also, understand there can be issues getting a mortgage with an institutional lender and potential problems getting title insurance.

Also, as others have mentioned, most institutional lenders do not lend to LLC's and have never given me any good reason for their position, since the owner is always required to assume personal liability via a personal guaranty. 

I work with institutional capital as well as a variety of private money resources to finance such things, but don't again, don't expect to find "low" rates and fees for such.Many investors I come across run into this problem with financing even though they've built up a cash cow... it is hard to understand sometimes, but be aware of the challenges and make sure you have financing options in place for what you are doing before you jump too far in.  

So when a major financial institute says your not financially stable enough for additional debt, YOU SHOULD LISTEN. 

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