Quote from @Edward James smith: Hello, I currently own a single family house with an ADU, and a duplex.

My client had some things come up that prevented her from executing, but these were some of the options I had put together for her, a regional bank, a regional CU, and a national bank.Reminder that NOI sizes CRE debt, and that's often what determines the down payment requirement, not anything to do with the client or particular lender, just the property itself.

This seamless transaction capitalized on strategic market insight and a prime opportunity.

You profit share with them for the first 10 deals (at the higher levels) because they really are right there with you holding your hand, and as I mentioned, doing three way calls, etc. every step of the way.  

It's probably going to mean paying points at closing, a high rate, and a serious pre-payment penalty (like 5 years). 

Conventional financing requires that you have a SSN, Permanent Residency in the US, and a US credit score. 

The difference between a 12% return and a 16% return compounded over 20 years will make you sick to your stomach. 

For example, two of my goals are to achieve a certain percentage for my IRR (internal rate of return), and a certain % for my cash on cash return. 

I've closed a bunch of loans with Kiavi, Roc, and a few with ABL, I also closed with RCN, Easy Street, Lima One, and some smaller private lenders.I've come to the conclusion that the experience at the lender is not globally good or globally bad. 

@Douglas Skipworth and Dean Harris of Crestcore have a great podcast and a video outlining all the zip codes in TN as well.