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.

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.

What really matters is how long you think you will have this loan. 

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 

I was just thinking today there was all this excitement about VA loan assumptions there for a while when interest rates started going up. 

Commercial Loan How did you add value to the deal?

Name detection is via loan signatures.

Louis for the hard money loan.

@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. 

Commercial Loan How did you add value to the deal?