You can make SFR work but extremely tough in traditional sense.

Borrower Types: The Professional - HM Lender will cut sweet-heart deals to keep these borrowers around Experienced real estate investors Regularly engage in property transactions Typically have a track record of successful projects The Newbie - Charge Higher everything as the risk is higher as no experience Novice investors or first-time borrowers Limited experience in real estate Seeking to build their investment portfolio The Deadbeat - Only lend if the deal is so SWEET, they can't lose if they take the property from the Borrower Borrowers with poor credit history or financial difficulties High-risk borrowers May struggle to secure traditional financingThe lender will do an application on the deal/borrower and some standard docs they require are:Hard Money Application / ExperiencePurchase contractARV report – COMPS – See * Redfin*Pictures of Property – most people use Dropbox to shareProof of Funds – Down / Reserves (Bank Statements)Personal identification (ID or passport)But usually if the deal is sweet enough, they will do it anyway because if the deal goes south, there is so much equity/value in the property that the HM lender can't lose.

While it provides a steady income stream and potential appreciation, it demands active management, thorough tenant screening, and may involve higher vacancy risks compared to traditional leases.

If you don't wish to (or have the time to) roll your sleeves up and do some grunt work I would just stick to traditional investing.

Why not get traditional financing for the property?

You're spot on with how private money lending offers speed and flexibility compared to traditional banks.

They aren't too concerned with the type of transaction (traditional homebuyer/seller or investment).

The traditional carriers you mentioned are not good options in this space.  

They have the typical white shaker style and then more traditional wood-look styles.

I currently own a rental property that is financed with a standard mortgage. I plan to sell and 1031 exchange this property in the next 12-18 months. I have a priority credit line on my brokerage account that is now &...