This would include doing mainly flips so i can get a solid return from that money or possibly even doing private money lending. 

This being said, I don't believe we'll be able to meet the income requirements to qualify for a conventional.This leads me to believe hard money or private lender is more the only option to get my foot in the door, use my business to make repairs at very good rates, build some equity then refi once the balloon is due. 

I can probably help you I have done a lot of private deals and I don't pay taxes. 

having been around this bizz for decades now on the private lending side I will tell you many to most private lenders started in the mom and pop rental bizz tire of it and switch to be the bank.. and right now wih rates up there return would be quite handsome .. but you do need to use caution..

I have broken down 4 key benefits to a retirement account: 1) Compounding interest in the absence of taxation (particularly with a Roth IRA) 2) Ability to self-direct into alternative assets, like real estate, private real estate partnerships/syndications, crypto, gold & silver and other alternative investments. 3) Credit protection (see state specific laws), but generally inherent protections. 4) Upon death, if setup properly, probate avoidance 

Based on your real estate investment strategy, figure out who could be the best private money lender (PML) match.

Taxes are private, 1099 are private.  

pretty small hurdle to have a good win as a private lender just get paid as agreed.now equity participation loans those can spin the needle pretty well ..

I would talk to a number of residential, private, and commercial lenders.

From what I’ve heard, private lenders or small groups often jump at projects like this when presented with clear ROI.