Here’s how I do it1-   I do not “cross collateralize” assets, i.e., if I default on one asset (god forbid) the lender can not come after any other assets2 - I do NOT sign personal guarantees - I’ve got two banks that lend to me without a personal guarantee, but only up to 50% LTV.  

I would strongly encourage the SBA route where the down payment will be around 20% or possibly less if you are willing to pledge other collateral or as mentioned previously, include a portion of seller financing in the mix.Be prepared though since most SBA lenders will want some type of industry experience.

I just watched a Seeing Green episode where David spoke about his loan company offering loans with the price of the land you're going to be building on as collateral.

The biggest difference with DSCRs is usually 1) prepayment penalties 2) more points 3) an affidavit that you cannot occupy the property 4) covenants and agreements regarding the requirements and rights of the lender to protect/preserve the collateral that may be more aggressive than Conventional.

We are in Ohio.Does anyone have any experience with accredited investing at super low interest rates (sub 2%) using properties as collateral.

You will also have the opportunity to build equity and eventually use it as collateral to purchase more.

Other risk-reducing factors—if the note is collateralized or includes features that reduce the element of investment risk, the note is less likely to be deemed a security.ericperkinslaw.com/when-does-a-private-business-loan-transaction-trigger-securities-lawsv/

Which any reasonably intelligent lender would do as collateral.

No lender, DSCR or otherwise will write you a check for $3mm without a certain level of confidence that you will not run the property into the ground, since that is their collateral for the loan.

BUT if you cross collateralize with another property you own that has equity, you’ll be able to get closer to 100% CLTV.