Around this time I discovered Bigger Pockets and a bunch of real estate platforms online.

Hey Brandon,I had good success by getting equity lines on properties to access the cash to invest again. 20% is certainly not essential if you want to go lower there are many lending options for lower down payments, especially if you are willing to house hack!

Agricultural land and property suitable for residential development seem like safe options to me.

At the end of the day I'm ok with taking the slower path of saving up the cash for the down payments and buffer but if there's a quicker way that I'm not aware of I'm open to all options. 

It could be a great option for your client's needs, or at the very least, a starting point for comparison with other lenders.

What about LaZBoy is that a decent middle of the road option? 

Feel free to reach out with any questions about loan options or how I can support your real estate journey!

I didn't see a location option for Ventura, County, CA, I hope that's not bad news. 

Additionally, bank statement loans could be an option if you stay in service and deposit your tips consistently.

It’s a short-term option, typically 12 months, that can provide the flexibility and funding needed for a $150K renovation.Here's why it could be a great fit:-No prepayment penalties — so you can sell or refinance without penalties.