If you find a seller willing to carry a note, you might be able to negotiate an arrangement that works without needing traditional bank financing.Another approach would be to partner with someone who has capital but lacks construction expertise.

You can contribute by finding deals or managing properties in exchange for a share of the profits.Lease Options: Control properties without owning them by renting with an option to buy, and potentially sublease for profit.Owner Financing: Buy properties directly from sellers willing to finance, bypassing traditional lenders and often requiring less upfront money.REIGs: Join real estate investment groups to pool funds with others for property investments.For a more hands-off approach, investing in turnkey properties in growing markets with minimal upfront investment would be ideal (like in the Southeast and Midwest of the country).

Here’s a quick overview of potential pros and cons, along with general advice on working with hard money lenders like them.Pros:Flexible Financing Options: Rehab Financial Group often specializes in real estate investing and provides hard money loans for BRRRR deals, which may be a good match for your needs.Quick Funding: Hard money lenders like Rehab Financial can sometimes offer quicker access to funds compared to traditional banks, which is important for BRRRR investors looking to move fast on properties.Cons:Higher Interest Rates: Hard money lenders usually charge higher interest rates than traditional financing sources.

In that case, would it be a traditional 15-20% down payment be my only way to go? 

While it provides opportunities for buyers who may not qualify for traditional loans, it's important to ensure affordability and long-term sustainability.

I have spoken to BDS, but it was right after the new zoning had been introduced and the people working the desks had only had one day to become familiar with it. 

Traditional MLS How did you finance this deal?

And yes, that’s half the type.They miss the other half, which is not only active investing, but in many ways mirrors equity investing more than traditional debt investing.

I finally set up an hour with their help desk to learn the program and the woman I was on with didn't know the program either.

If you take a traditional investment approach of trying to buy a property that is done or needs little maintenance it can be tough to cash flow in many ski areas (I'm generalizing here).