This type of company will be married with you through the longevity of the investment so naturally their interests will have to be mutually aligned. 

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

Financial alignment with the property owner.

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

@Caleigh McDonough House hacking with 5-10% down is viable if long-term appreciation and equity building align with your goals, even if the property doesn’t cash flow immediately.

Quote from @Chris Seveney: @James WiseI wonder if there is a statute of limitations component to this Dunno, but it looks like they are looking for 4-5 years in prison for Whalen.

I also agree with James about the legal component, our culture is more litigious than others but there's also less risk that a "lawyer" will run off with all the money here which I have experienced in other "rich" countries. 2.

Ultimately, your decision should align with your comfort level regarding your finances, personal needs, and the housing market outlook.

Thorough vetting is absolutely essential in private lending to mitigate risks and protect your investment.Here are a few additional tips to enhance your due diligence process-Assess Their Exit Strategy: Whether it’s a flip, rental refi, or sale, make sure their exit strategy is realistic and aligns with market conditions.

A balanced approach, combining financing with a cash reserve for stability, maximizes tax efficiency, inflation protection, and aligns with your goal of retiring sooner.This post does not create a CPA-Client relationship.