You'll have more flexibility with non-traditional lenders, traditional will all follow the same Fannie/Freddie guidelines.

The crypto can be considered as EMD or down payment, the rest of the transaction will happen just as if you were running a traditional transaction.If a seller is completely against the idea of receiving crypto, you can always use a service like Bitpay to convert the cryptocurrency to cash.Last but not least, I always ask clients... why sell your crypto asset when you use it to secure a loan?

This would allow us to come to the table with less funds out of pocket on the front end when starting construction.Is the best way to complete the transfer of ownership through a traditional sale registered with the county? 

There are definitely some solid strategies that work well here, depending on your goals.Are you leaning more toward a traditional STR, or are you open to rent-by-the-room or medium-term rental strategies?

Are there other options that could be better for a construction to perm loan (not through a traditional bank)???

If you're using traditional financing on your primary residence, they're going to do another credit check on you just before closing.

.🔥 Why Co-Living & House Hacking Work So Well Together✅ Higher Rental Income Per Unit – Renting by the room typically beats traditional rental rates.✅ Lower Vacancy Risk – Losing one tenant doesn’t mean losing all your cash flow.✅ More Affordable for Renters – Competitive pricing attracts a steady stream of demand.✅ Built-In Community = Lower Turnover – Tenants stay longer when they feel connected.✅ Allows You to House Hack a Single-Family Home – No need to compete for pricey duplexes and triplexes!

Phoenix contains a rare combination of elements that have created an outstanding market for distressed property investments, including the following:Cost Savings: Distressed properties are sold below their market value and enable investors to take hold of properties at a trifle compared to traditionally listed properties.Strong Market Fundamentals: Being among the fastest-growing cities in the country, Phoenix ensures a high demand in housing and rentals, hence good potential for resale or income from rentals.Value Creation Opportunities: Most distressed properties need renovations; thus, such situations present opportunities for investors to increase equity by adding value.Population and Economic Growth: Phoenix remains among those cities in the country which are attracting more and more residents and business; therefore, this presents good, long-term appreciation possibilities of property appreciation and income creation.Challenges to ConsiderWhile the rewards can be great, distressed property investment is not without its challenges.

If you need help with landlord laws, house backing strategies, or traditional MTR investing specific to New Jersey happy to help.

This is done via a traditional cap table.