Capital stack is usually a term used on large assets for the order of priority from debt, mezz, pref and common equity.Are they basically a hard money lender?

You'll see a common theme.

House hacking, for example, is now such a common idea that regular people do it all the time. 

Hey Justin,Thanks for your comment.Our bread and butter are single family but we are happy to take a "custom order" for multifamily.We usually do this for existing investors only tho.Also, as multifamily is out of the usual scope of what we do, we would require some fat cash in the deal to give us peace of mind that the transaction will actually go through.Over the years I have experienced many folks talking a big game but never actually playing it.Thus we need to protect the company in such a way by asking for $$$ in advance.Thanks again and don't hesitate to ask any further questions.

LLCs are commonly used for asset protection, helping to protect personal assets from property liabilities.

Delayed financing is a common strategy for people who buy cash and later gets it financed.

By way of example, the local code may require max distance from common stairs or building exits and something as simple as that can really interfere with the layouts you are contemplating in your head. 

You will find that there is plenty of fat.

It’s very common in today’s environment that not only are deals too tight for an Agency exit today, but the value add business plan was delayed for any reason whether it was a change in management, slower lease up than anticipated, and now the property is trending positively each month towards Proforma numbers, but needs a bit more life, there are ways to get it done!

I have never encountered such sharp opposition to any disclosure of any historical financials, so just wanted to get a sense of how common this is.