The Note/Mortgage for each loan states the dollar amount invested & the % of the total loan by name, for each investor. 

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

Our issue is income on papers too low to qualify for the an FHA or traditional loan.

Hey @Patrick Braswell  You shouldn't have any issues getting a DSCR loan as long as you have at least 1 borrower who owns 20 to 25% of the property, or if a couple of you can get to that level combined. 

As an active-duty (soon transitioning) Air Force myself, I know the VA loan is a powerful asset for us.

HUD.GOV is originating source for FHA loan info.

Definitely focusing on offmarket or even on market multifamily homes (minimum 4 units). started off in real estate development last 2 years but the paydays are brutal building then waiting to sell.So now looking to switch up strategies to purchase cashflowing properties and then get back to ground up construction or even possible fix and flips. 

Quote from @Anthony Sigala: I am seeking a loan on a LTR that has a rent to value of 1.3% with the potential of 2%. 30 year amortization or interest only.

This money gets added onto the back of the loan kind of like a VA funding fee does. 

Context:I’m seeking advice from those experienced in real estate investing and financial freedom strategies.I recently bought a multi-family property in Newport, RI, using my VA loan for $695K.