I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Traditional banks tend to not have this product.

Definitely interested in the local networking and how to acquire financing.

What was your strategy to acquire duplexes? 

They are products of your brain trying to protect you from danger but in reality, there isn't any danger.

Anyone have any products that wlll refi these smaller loans?

@Daniel Sabatoif you just have 'home equity' and no cash... i think that won't cut it.how many SFHs did you acquire?

During the past four years we've helped investors acquire 50+ apartments throughout Oregon. 

After well over 1000 houses it’s proved it’s worth.BUT if you think sugar coating will work sprinkle sugar all over the conversation. certainly nicey nice communication and unabashed laughter will get you elected but it won’t buy many houses. our product is money and we best not forget that. there’s a power exchange happening in every conversation and the one who blinks first fails unless winning isn’t important.  

Acquire the history usage from the utility company and just divvy it up between the units into the rent.