Most lending is based on cashflow, not the 2% rule (although still a good rule of thumb for some types of investments), might have the most help from the group if you provided some of those details here just so it'd be easier for us to help you best. 

The first lender I worked with had gone into lending because on his first commercial flip we lost over 250k because of a contractor.

Another route could be private lending, where you provide capital to other investors in exchange for interest returns.Have you considered any of these options, or are you leaning toward a specific strategy?

Kendall Knight with First Horizon bank for lending.

Jay thanks for the tip, it helped in searching and learning about "lead generators" in the fine print in lending and what means.

I don’t want the hassle of conventional lending.

If, for example, you are lending money, which involves few transactions, then select a custodian that charges by the transaction.

Lenders will lend the lower of the amount between LTC and LTV.Do you require an appraisal and survey?

I would be cautious with MLD residential lending company.

Not sure if this is the correct place to post this.  I have the opportunity to help a family member be part of a joint venture with them putting the down payment down.  They aren’t able to get a mortgage themselves so...