hopefully it's not fha. if it is, better get used to having this expense for a very long time lol i see no reason to go with 3.5% fha over a 5% conventional for most credit-worthy people (especially since you have to prepay their MI as part of your closing costs). when i moved into my primary, i put 15% down. loan got sold several times, and i'm now with Sun-"trust."

Increase your credit worthiness. 

These can be pretty safe if the borrower is creditworthy and the loan is made at a safe LTV against a sensible property.Let’s say we made a $100k first position real estate loan at 12% interest-only plus 2 points against a property worth $150k. 

@Logan ReinardNo, cap rates different by the location, property type, property size, prior sale comps, lease terms of current tenants, property class, creditworthiness of tenants, age of the property, population growth, job growth, inventory of like properties etc.

It is good to know as much as you can about the credit worthiness of the individual(s) because when you own the note, you have become the payor’s bank.Interested in investing in property?

Cap rates in sales like those are a function of the credit worthiness of those tenants be they franchisees or corporate owned operations.

What is the creditworthiness of the borrower?

One alternative to partners is hard money, because they loan based on the asset, not your credit-worthiness. 

Is the company publicly traded, if yes seeing their credit worthiness will be easy.

If you are credit worthy you will get a loan.