It sounds like the issue is with the Debt Service Coverage Ratio (DSCR), which lenders often use to determine how much they’re willing to loan.

@Ryan Daulton,You don't have to buy a house in SDIRA without a loan; you can easily get a loan, but it must be non-recourse.

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much. 

When this person goes bankrupt in the next recession, this loan will be part of bankruptcy proceedings.

@Kate GranahanHi Kate, we make loans on mixed use properties.

What is the minimum amount of profitability acceptable at a $60 million loan volume4.

They will continue to get 360 month loans for the 'cash flow'.

Too bad I was 12 years old and couldnt take out a loan lol not sure how to take this

Hi Treza,Not sure where you are in the process there, but when your ready to exercise financing options please reach out, it's very difficult to find a ground up program for inexperienced borrowers without having an experienced GC sign on the loan with you which in turn is not easy to find. 

2nd home loan How did you add value to the deal?