However, here are a few strategies to explore:Local Real Estate Investor Networks – Join local REI groups, meetups, or Facebook groups where private lenders may be open to funding primary residences under the right terms.Seller Financing – If the seller is open to it, you could negotiate a seller-financed deal where they act as the lender.Community Banks & Credit Unions – Smaller local banks may offer portfolio loans with flexible terms.Wealthy Individuals / Family Offices – High-net-worth individuals sometimes fund private deals, especially if they see strong equity and repayment potential.IRA or Self-Directed Retirement Accounts – Some investors lend money from their self-directed IRAs for real estate transactions.Since you’re willing to pay higher interest for a short-term solution, a contract for deed (land contract) might also be an option, where the seller keeps the title until you pay it off or refinance.Would you like me to connect you with any potential private lenders?

Banks and credit unions might have lower-cost options, but they'll likely require more equity.

The struggle comes when you plan to sell, pay close attention to how the bank would treat the loan in the event you would sell.Even though its a bit more work, banks are typically open to these loans as it provides them with additional collateral in the event of default.  

We neeed licensing for wholesalers as well as the banking and mortgage industry to start calling more notes due.

There are people who can't put two sentence together and he just let's um use a screen shot of one of his bank accounts.

@Randy Fitzgibbons - I'd recommend going with contractors who have experience with deals like this AND have experience working with banks/lenders for 203K rehab deals.

I would be happy to take 20 percent down, and owner finance each unit, if banks are that picky. 

I get a lot of loans every year and the questions depend on the bank the and the loan officer.Currently I am looking at getting a US based loan on a property that I own in Costa Rica.

Larger lenders might bundle their loans and sell them en masse to a Wall Street hedge fund, bank, or insurance company.Those who like to label themselves as “note investors,” as you did, typically buy defaulted or non-performing notes.

Bank owned, foreclosure, absentee owner etc.