We do not have contacts with private lenders at this time.

I was able to get a private loan which I used to purchase the house then I used my own money to rehab the house.

Depending on your debt to income, you might have to sell or have an executed lease to secure financing to buy the second home.

IE securing them paying tax's insurance etc etc. 

Thanks @Iris OlivasI did some searches and ended up on a site that provided state by state listings of Private Lenders some of whom did 75k and up. 

Here are some key elements to include:Lease Agreements: Ensure your contracts reflect the latest laws, such as notice periods for entry or rules around security deposits.Fair Housing Compliance: Familiarize yourself with federal, state, and local fair housing laws to avoid discriminatory practices.Property Standards: Regularly inspect your properties to ensure they meet safety and habitability standards.Tax Documentation: Keep accurate records to comply with tax reporting requirements.4.

Is there a private entrance/parking or room to make one?

I should have elaborated in how the utilities are handled.Septic is the only private utility, and thus is my responsibility.

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. 

I am seeing a roommate who does not have pets.Cozy furnished 1 bedroom with living room and kitchen privileges, your own private bath and a shared refrigerator.