@Alan Asriants Since you already received your decision,  I assume you selected the non oral hearing option?

Using a loan lets you spread your money across more deals, scale faster, and potentially see bigger returns.

Private money lending bridges the gap between speed and flexibility for investors while offering lenders a secure way to grow their returns.

If you are looking to fix and flip, just make sure you look for a 12 month term, non-dutch interest on the rehab funds (this means you do not pay interest on the rehab money until you use it), no prepayment penalty, and avoid any lenders that escrow your payments at closing.

There are also some exceptions to convince the underwriters to use leases if there were major repairs for that house/unit proving that the schedule E numbers are not showing the full potential return, then you would be able to use the leases as an exception. 

However the property has a freeway behind it and hence no rear neighbors /more privacy.You’re going to see low or negative returns with minimum down payments in that area unless you’re going BIG as in much larger homes and much heftier budgets for design/amenities.There’s great cashflow on the Clearwater/Largo/Seminole/StPete side - you’re looking at 2 high cashflow buckets that I call Tier 1 and Tier 2. 

Maybe better to buy for rental in non-HOA neighborhood.

My background involves social work & non-profit management before getting into real estate.

Some could disagree as getting all cash and putting it in the stock market would yield a much higher return than the rate on a loan.2.

I think I was looking at the Investment Returns, that was giving me a negative calculation.