You can also start exploring a house hack to utilize the lower DP

There's no guarantee that the liability coverage will pay out unless the tenant is negligent, at fault, etc.Mold is typically not covered by insurance at all. 

They could offer different products for single family vs multifamily so it's a good idea to get with a lender to see what they can do that may not be your typical mortgage type.

I’m looking to connect with experienced spec builders who have utilized hard money lenders, private money, or even grants to fund their projects.

These are what we call "A-class" markets—areas with strong fundamentals, high demand, and typically excellent long-term appreciation.

Just because the costs might be in the furture does not warrant not budgeting for those known expensesThen there is the misc costs of asset protection, bookkeeping, unexpected utilities (such as between tenants (tenant turn over) or failure not attributable to the tenant such as slab leak).  

Most gurus have their clients journey end the moment they send them the money, they join a facebook group - have overseas VA;s moderate it and provide some old videos that get repurposed.Those who are new and thinking they are creative typically get crushed as they are gambling not investing.

It’s a lot of work for a measly 200 dollars a month which is the typical cf on a 60-80k home that rents for 850.

HELOCs are much tricker than a closed end second - they don't typically allow you to close in an LLC and they are full doc qualification, meaning your FICO, employment history, income, DTI etc all come into play.

What avenues do you guys typically find your investors?