Find a local lender, you can start with where you have your money and then branch out, and confirm what you will need to qualify as @Nathan Gesner said above.

However, you need to have 6 months of reserves and its 25% downpayment for commercial loans.

The way we look at it however is this sort of situation would be OK - but its a one time referral fee - any sort of arrangement with a long-term referral fee / borrower protection is reserved for true professional mortgage brokers - who like @Chris Seveney mentioned, would be doing more legwork on the deal vs. a simple and clean referral handoffvia CFPB on referral fees for business-purpose hard money loans:§ 1024.5 Coverage of RESPA.THIS VERSION IS THE CURRENT REGULATIONView all versions of this regulationSearch this regulationRegulation X(a) Applicability.

US 10 year Treasury yields tumbled (by nearly 10 basis points today and counting..) with the latest inflation metrics showing a dip last month indicating the Federal Reserve could start to lower interest rates this year with a now 80% chance of a September rate cut. 

I have enough put away to purchase a few properties for rentals and kick start everything with a faster scale and keeping reserves on hand.

If 10% is sufficient, do that and keep the remaining money as a reserve or for your next investment.

I have the reserves in place for the 5% down payment, 15K for emergencies, and have no debts!

Not done it personally but I've helped investors do it.Keep in mind that most programs will require you to have cash reserves to do it.

That type of investment works just requires prudent management to ensure you have reserves or manage cash flow to cover the winter months.

I see you are a rental property investor at what point did you feel like you had enough reserves to take on a property?