These institutions might be willing to provide a long-term refinance option even without the 12-month seasoning period.

You can take courses offered by the CCIM Institute even if aren't a real estate broker and have no interest in the CCIM designation.

You need to provide them with the LLC information and the trust documentation when opening an account.I have opened bank accounts for the trust and for LLCs owned by the trust at multiple institutions, including one of the four major US banks, local banks, local credit unions, online banks, multiple major brokerage houses, etc.

Yes, I have read all the rules, but that doesn't always give you the whole picture of how the institution operates in practice. 

I remember the reports of the first cases coming out from Wuhan in December of 2019 ,and obviously since everyone knows there are only 4 comprehensive bio safety level four laboratories on the planet, Moscow, Paris, Fort Detrick-Maryland and of course Wuhan Institute of Virology, and given that there are over 100,000 small town with wet meat markets throughout China, one doesn't even have to ask the question "what are the odds?"

To date, I have many rentals in my own name (with a liability umbrella policy) as many financial institutions are leery of lending to an LLC but now that I am doing more DSCR, I have created a couple of LLCs as the lender only wants to lend to an entity, not individual. 

Banks like Wells will open one for the master llc but not the cells, so that won't work.I know the larger institutions typically shy away but I'm sure there are others in town willing to do it.

New River Gorge NP, West Virginia (22.5% average yield)Mammoth Cave NP, Kentucky (17.0% average yield)Voyageurs NP, Minnesota (15.4% average yield)Isle Royale NP, Michigan (14.8% average yield)Joshua Tree NP, California (14.6% average yield)Indiana Dunes NP, Indiana (15.5% average yield)Hawaii Volcanoes NP, Hawaii (14.2% average yield)Badlands & Wind Cave NP, South Dakota (14.1% average yield)Hot Springs NP, Arkansas (14.0% average yield)Kenai Fjords NP, Alaska (13.7% average yield)

I will say that, I personally know of 1 institutional lender that does 100% purchase/ rehab loans to qualify for that program you have to more than walk on water to qualify but it real.

I can see why you're asking this question because the terms "private lending" "private financing" "creative financing" "hard money" etc get tossed around a lot without explanation.The short answer to your question is that private lending is literally anyone who is willing to give you money other than government or government backed institutions.