House hacking a 2-4 unit property with FHA (3.5% down) or Conventional (5% down) can be a smart way to start, while DSCR loans or partnerships can help if you need alternative financing.

Name detection is via loan signatures.

@Craig Holland Land is often sold with owner financing, in part because buyers have a hard time financing it, and in part because buyers often only need a short time before they can build on the land and refinance out of the seller loan. 

Look up the loan officer and not the company (do they have any online reviews or social media presence; if possible look up their production numbers to see if they are any good)4.

But because it is built before 1960 banks do not insure it as it is(not renovated) for earthquake so they do not grant me a loan even though my payslip is quite good 

Louis for the hard money loan.

Commercial Loan How did you add value to the deal?

Hey Patrick, This would be a DSCR loan.

Registration fees $800+ SOI $50 fees California and legal stuff-keeping it simple-easier to refinance a SFR if decide to just BRR and cash out refi in my personal name versus trying to get loan in LLC name. 

@Ashish Acharya I have found that I get better terms for personal loans.