I've had smooth loans close with Kiavi and I've had rough ones, same with Roc.When Loans start to be troublesome:1) The borrowing entity docs are a mess2) The appraisal numbers are lower than expected3) Messy background reports4) Loans happening in an environment where market/rate fluctuating unpredictably 5) Your loan officer and their team are poor at their job6) Title issues that depend on county docs, that can be slow and painfulThere's more but it's Friday and I'm tired....

Prosper and Lending Club also offer peer 2 peer loans, usually up to $40-$50k depending on which company you look at.

The Greater Phx market has many avenues to explore, depending on your goals.

Hello @Alex Silang,It depends on your goal.

If you're only using a portion of the funds, its less of a risk and could make sense depending on your situation and the deal itself.  

I have tried both, I think it depends on the market you are targeting and the type of leads.

I recommend selecting an investment city based on the following criteria.Key Criteria for Choosing an Investment CityRents Must Outpace InflationFinancial freedom depends on rental income growing faster than inflation.

The best amenities for Airbnb in terms of ROI often depend on your target audience and the location of your property.

There's many more out there depending on what section you want to get into.

For a first timer, you can expect a hard money lender to provide 70-75% of the purchase price, and 100% of the renovation budget, depending on the after repair value.