Any lender, private or conventional, will have some hoops, maybe just not as many for private lenders...

If you got your credit decent you can start soft shopping for conventional/fha home loans if you didnt do so well improving  your credit this is where you start looking for private  lenders, partners and investors.

Fix-and-flip projects can yield quick returns but require experience, while house hacking with FHA or conventional loans is a great way to get started.

I'm always a buyer and always  seller, and have bought and sold over 1,000 properties for my own inventory. 

The only way to bypass this requirement legally is to refinance into a conventional mortgage.

I'd suspect they are not voucher holders and were once conventional renters. 

Yes, you do get income on the other side, but the prices have bumped up so with interest rates and less inventory to buy, the net income is much less than a few years ago.You can still do it, you just have to factor that in and expect negative cash flow while you live there and then see how good it will be when you leave in a year and do it again.

If you’re looking for a cash out refinance utilizing a conventional type of loan then you can certainly pay off personal debt.

$19,000 down and (construction) conventional loan How did you add value to the deal?

Why would you be going hard money and not conventionally financed?