I got a commercial loan for 50% of the purchase price - $187,000 – at 9.875% and personally funded the rest.

I’d like to at least make 6-10% off my money with 20% down on a 30 year loan if I see potential in the area.

If you want to do things on your own then you'll have to look at your own cash position and qualifications for loans. 

- **Attracting Different Buyers**: Look into alternative financing options such as seller financing for buyers who may not qualify for conventional loans, or market the property more toward cash investors.

What Qualities Should You Look for in a Borrower Before Offering Private Money Loans?

Fixed or Floater on loan if you bought in 2022? 

Have you considered using long-term rental loans to finance your properties?

You are putting money in, and qualifying for the construction loan, while being forced to use them to execute and lease up.  

Do you have a construction loan in place?

We have quitclaimed property into llcs and left loans in our personal names without issue.