Lenders assume more risk with a higher loan-to-value, so to compensate they'll charge more in points, loan level price adjustments, etc. 

When I am looking for a new investment property and am strapped for cash, I typically look off-market and try and find something that can a seller is looking to sell that needs minimal repairs to be rent ready and the purchase price is 80% of the ARV this way I can use private money to buy in cash, do the repairs needed then refinance on a DSCR loan and pay off the private money loan. 

Lots of loan options can close in an LLC, helocs usually need to close in your personal name.

Work with a CPA familiar with SDIRA tax implications to plan accordingly.Private Placement Memorandum (PPM) review – Ensure the syndication allows for IRA participation and that the deal structure aligns with IRS rules.Direct Purchases with Non-Recourse FinancingLender requirements – SDIRAs can only use non-recourse loans, meaning the property secures the debt, and your IRA isn’t personally liable.

I'm considering using hard money lenders or DSCR loans, but it seems like DSCR would be a bit complex.

Is it possible for these loan to be refinanced with CMBS loan ?

I was looking into unsecured personal loans but they only cover about 50-100k for 1 year duration.  

Taking that first step is huge, and it sounds like you're already thinking strategically about scaling.If you're looking to minimize out-of-pocket expenses and maximize leverage, you might want to check out Avalon Capital’s 100% purchase & 100% rehab hard money loan.

Research financing options like portfolio loans or working with international-friendly banks.

Hi Simon, It will be very tough to find a lender that can do below a $75k loan amount to a foreign investor.