As for finding better financing terms, look into portfolio lenders or credit unions—they might offer more flexibility than traditional banks for investment properties.

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.

traditional Lessons learned?

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.

I didn't know if it was easy to close a SDIRA and roll it back over to a traditional or not if my investment pipeline runs dry.Thanks

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

Traditional lenders don't care about your savings or net worth; they care about your employment and earnings.3.

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

Why not get traditional financing for the property?

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