In all of my units I include a private workspace that's in a room with a door that closes (important for video calls), a comfy desk chair, monitor, keyboard, mouse, and hdmi cables.

The only way to get a standard conventional loan is with US credit, US tax returns etc...Unless you hold funds in a US Bank already and they gave you an in house loan or private loan based on assets.  

Should I consider private lending to purchase a 2nd multi family right away as to not lose the opportunity? 

Imagine that you have recently entered the turbulent realm of hard money and private money loans.

If you’re short on down payments, here are a few strategies to consider:Leverage Equity: If you own any properties with equity, consider tapping into that through a cash-out refinance or HELOC to fund your down payments.Seek Joint Ventures: Partner with other investors who can provide the down payment while you manage the property or contribute in other ways.Explore Creative Financing: Look into options like seller financing or lease options, which might require less upfront capital and can be structured to fit your needs.Consider Private/Hard Money Lenders: These lenders can offer flexible terms and quicker approval compared to traditional banks.

Pros could be: Clean water + tub for each guest; on a well, so no water waste concern; can make it design-y + cute; can be used winter (hot water) + summer (cool water); goes better with forest location of the home than a traditional hot tub might; will hold same number of guests as hot tub would (2 people in each tub).In researching I have seen some people on Airbnb have these checked in amenities as 'hot tub', some 'private hot tub'.

Let’s start with a few notable facts:26% of all renters in Worcester and 17% of residents citywide don’t own or have access to a private automobile.In downtown Worcester, 41% of renters and 38% of all residents don't have access to a private vehicle.Buses in Worcester became fare-free in 2020 and are currently slated to remain that way through June 2025.It's challenging to charge an electric car if you live on the third floor of a triple-decker and don’t have access to a driveway.Do people choose not to have cars?

We are looking to do a private money lending deal with a company out of Chicago on a SFH. 

Podcast was very informative about private money lending. 

It sounds like an ideal moment to either plow some more money into savings or seek private funding.Perhaps if you find a modest flip you can infuse cash into your system in a hurry and build your network at the same time?