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?"

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

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.

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.

I don't know of an institutional investor that will go 100%.

I know lending institutions have foreclosure lists as well.

should regulations target the big institutional buyers? 

@Waylon Zook , I have and at least the institutions I requested service required 2 years business taxes, and a few other items.