Antonio, my fiancée and I are both realtors, I specialize in value add property and my fiancée manages our property management company and is a traditional realtor that specializes in listing properties.  

Creative FinancingFinancing can be a challenge in tough economies, but several creative strategies can make deals work: Seller Financing: Negotiate with the seller to finance part or all of the deal, reducing the need for traditional loans.

In this case, we’ll use the traditional 70% rule, so 0.7 is plugged in.Formula: (ARV * 0.7) – rehabExample: ($100,000 * 0.7) = $50,000Why Is This “Rule” Critical?

How they twisted Gods word and used ceremonial laws and mans traditions than actually doing what’s right in the sight of God .

I went through a refi last year with a traditional mortgage bank. had the same scenario, first appraisal came back super low, we argued the valuation and ultimately got nowhere. we decided to start over with a different lender, and got a 2nd appraisal exactly 16 days after the first one was dated, and the valuation was almost $80k more. sometimes starting over is all you can do. 

However, you typically need to put down a lot of money upfront.Hard money loanCompared to a traditional mortgage, a hard money loan has a lower down payment—sometimes as low as 10% of the loan amount.

But, I would personally be very uncomfortable using a HELOC as a traditional down payment option. 

My lender just called me quite flustered to say that he has learned that no one is doing the traditional 10% down loan for second homes, which is what I was going to use.

I will add that investing in a real estate syndication where you have Unrelated Business Income Tax (UBIT), if you are going to use a self-directed IRA, you might be better off using a Roth IRA, instead of Traditional IRA, due to the tax-free compounding growth of Roth.

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