Here are some general guidelines: Lien Position1st Position LienEquityMinimum Down Payment of 20-25% (a 30% equity to sale price is preferred)Down Payment made in certified funds and not borrowedMaximum Funding of 70% ITV (Investment to Value)SeasoningMinimum of two monthly payments already made12 months or more preferredPayer CreditCredit Score of 650 or higherNo major derogatory trade lines (No 90-180+ days delinquent, foreclosure, repossession, bankruptcy, etc.)No decline in credit since purchase of businessTermsPrefer 60 months or lessMaximum of 72 monthsNo Balloon Payment preferredCash FlowBusiness has positive cash flow1.25 debt service coverage ratio preferred.DocumentationPersonal guarantee from a creditworthy individualStandard documents including Note, Security Agreement, and UCC-1 filing.Tax Returns on the business that substantiate profit and loss statements.OtherPayment history current and verifiablePayer Interview indicating buyer is satisfied with business and comfortable making paymentsMotivation for selling the note is not a result of a deteriorating businessConsideration of high risk businesses or geographic areasIn these situations, sometimes a partial is a better option. 

DSCR loans go up to 80% of the purchase price and depending on the Debt Service Coverage Ratio and your credit score you can expect rates on a 30 yr loan ranging from High 6%- Mid 8%. 

The general rule of thumb when using debt is to ensure that whatever asset you buy with the debt should make more than the debt service.  

However, when I'd want to buy a property in Mexico, I'd want to hear from real estate agents who would provide me the best possible service.

It’s also important to distinguish between those who are genuinely advising you and those who are selling you a service or product disguised as advice.I went to my first real estate conference in Atlanta in 2005.

You will find that lenders will reach out to you and try to ally alongside you (I know I have received a few emails and phone calls from different lenders trying to offer their services) but few are willing to 'teach' you.

I know there are services that provide proof of funds but I view that as misrepresentation. 

I also hold a couple of real estate forums in the area for people like yourselves to connect with service providers, GC's, etc. 

The cash value in the policy service as collateral for the loan.

Whether you’re offering services, partnering on projects, or exploring your own investments, leverage your expertise to identify undervalued properties and add value.