private money lenders? 

You could structure a low down payment with interest-only payments for a set period, then refinance later.Master Lease with Option to Buy – Control the property now, generate cash flow by leasing it, then buy once it's stabilized.Sub-To or Wrap Mortgage – If there’s existing debt, you might be able to take over payments or structure a wraparound mortgage to benefit both parties.Hard Money or Private Lender for Reno Costs – If you secure a seller-financed deal, you can use private or hard money for the rehab without tying up your own capital.BRRRR Strategy with a Bridge Loan – If you can get the purchase price down, use a bridge loan for acquisition and rehab, then refinance with DSCR or conventional financing.Would love to hear more details to help structure something solid.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I also have experience managing single-family rentals, including Section 8 properties.I am here to network, share insights, and connect with like-minded investors, lenders, and operators.

My name is Naomi Pinger and I am a private money lender.

This is the max that the lender can bid up to. 

That way the lender has an idea what it is you are doing and cost.

Folks say use a local lender.

Employers must comply within specified timeframes, and non-compliance may result in penalties. icpas.org4.

No doubt buying the first property can seem very scary but ideally, you are working with a realtor and lender who owns STRs.