And these would generally be 12% so you blend the 8% bank money and the 12% private money to get your rate.. 

While most DSCR lenders require 20-25% down, some allow lower down payments under certain conditions:1. 15% Down DSCR Loan✅ Some lenders allow 85% LTV (15% down) with strong DSCR (1.2+), good credit (700+), and reserves✅ Higher interest rate compared to 20% down✅ May require prepayment penalty2. 10% Down DSCR Loan (Rare & More Expensive)✅ Available for experienced investors with strong financials✅ Often requires higher reserves (6-12 months of PITI)✅ Could involve seller concessions or second lien financing3. 0-10% Down with Creative Financing🔹 Seller Carryback: Find a seller willing to carry a second mortgage for part of the down payment🔹 Cross-Collateralization: Use equity in another property instead of cash down🔹 Gap Funding / Private Money: Partner with a PML for the down payment

You will already be saving substantial closing costs with a private deal.

Yup thats were you mine the gold in Notes seller carry back.. !!

Hi all,We're 2 foreigners based in Europe doing business in FL entities, building SFR in SWFL. We're not US residents nor have FICO scores. I have an ITIN though.We've completed 2 ground up SFR in the US, I've done 2 ...

I just don't know where to find a private lender as anything I have googled looks to be for businesses or a scam. 

Hello Meghan👋I just have 1 note I carry for a SF in Colorado.  

If you have enough equity you may be able to finance with private lenders that will finance based on the appraised value

I would confirm all that, and you can me a private message I have some attorney's in our area I can recommend for getting advice and to hire.

Hey everyone,I’m both a Private Money Lender (PML) and a real estate investor, and I’ve been seeing a lot of questionable "lenders" popping up online.