Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

Hi Xavien,You’ve raised an excellent and often overlooked point about the benefits of business credit, particularly for real estate investors.

Looking ahead, once you secure a tenant, perhaps this is something that should be explored to make the next lease up easier.Also, @Caria Mitchell raised an interesting point in saying: We are experiencing a shortage of qualified applicants, I’ve noticed non-conventional applicants vs qualified applicants that don’t have a voucher or some form of subsidy. 

So while you may want to raise your voice, I'll just strengthen the argument.

Your lack of action raises concerns about a conflict of interest and you’re neglecting your fiduciary duty.

It was a savings account that had not ATM card etc. 

I’m trying to get a heloc or cash out refi on a primary residence duplex.l under FHA.I have great credit but modest incomeWife has bad credit with better income therefore I don’t believe we will qualify for heloc.Our plan was to get heloc to use as a down payment on another house hack or general investment property.So far our mortgage company said they could do the cash out refi which would raise our mortgage from $800 to $1200 (current rate is 3.62) and the rate would go to 6.6To pull out hopefully 30-35k maxMy concern is if I do the cash out.

You are correct, however I was clarifying if the ask involved trying to figure out a persons’ citizenship like asking for a the person’s green card in addition to or in place of. 

The cities laws make landlord very difficult for raising rents and evicting tenants. 

Fra I d in every transaction. we are funding our own credit cards and being tricked into paying someone else's debt.