Banks, Credit Unions, direct lenders, portfolio..pretty much the full mix of of lenders any of us would use.They all said the same thing.

If you go with the partnership route1) You need to manage the money going in and out of the business bank account.2) File a partnership return and be responsible for issuing K-1's3) make distributions to you and your partner for cash flow that you receiveYou will likely spend many hours on a nice gesture.I may want to consider instead to give a christmas gift or a bonus for early completion of projects.

Our strongest case is that our bank appraisal says it should be much lower.

Here’s a quick overview of potential pros and cons, along with general advice on working with hard money lenders like them.Pros:Flexible Financing Options: Rehab Financial Group often specializes in real estate investing and provides hard money loans for BRRRR deals, which may be a good match for your needs.Quick Funding: Hard money lenders like Rehab Financial can sometimes offer quicker access to funds compared to traditional banks, which is important for BRRRR investors looking to move fast on properties.Cons:Higher Interest Rates: Hard money lenders usually charge higher interest rates than traditional financing sources.

I'm seeing a lot of people lately trying to force themselves into house hacks without an immediate cash flow/equity play and "banking" on appreciation or rates dropping. 

@Paige Corsello...You could call your bank contacts and find out if they are broker friendly.

There is a reason banks don't make loans on stocks.

I would talk to a local bank or mortgage broker to see what you can get for a loan first and then go from there. 

I ask for a list of their current ongoing monthly expenses.Lastly, I have them sign an authorization to check all the above with their bank, their employer, etc.

But unlike going to your bank (and getting your local banks CD rates), with these accounts you can shop CD rates nationwide.