The only way I see a low or no-money-down scenario being viable is if you have a lender willing to lend based on the Loan-to-Value (LTV) ratio, and if you can find a deal where your total costs are low enough to keep the LTV within the lender’s limits. 

Wind stone Private Lending?

Without going down a rabbit hole here and overwhelming you, there are also creative ways to buy properties without needing to get traditional lending, but these types of deals are harder to come by and usually come with more risks. 

I signed the contract to lend to them on 10/31/2022.

Lenders will lend the lower of the amount between LTC and LTV.Do you require an appraisal and survey?

Lendbase, as a "correspondent lender" basically shops for and lends other Lender monies.

Also, after a year, the mortgage hasn't been paid down by much, especially if it's a 30 year mortgage.The only challenge you may run into is if you purchased it using a low or no money down mortgage option like FHA or VA lending.

Loan Origination Systems (LOS): What works best for mortgage and private lending?

HELOC are great for short term lending.

In October 2022, I got notified that my loan through Center Street Lending was cancelled (because there had been no activity on the loan)and that I would need to find another source of financing.