The FMR for a 6 BR house is over $1,800....one person's trash is another person's treasure!

Keep in mind that DSCR loans are how most investors have scaled. whether its residential DSCR or commercial DSCR at 5+ units. personally, i like them better. few reasons why:1. seasoning period is only like 10-30 days vs 60days going conventional2. seller max contributions DSCR is 3-6% where conventional its only 2% max3.

I have a salt water hot tub at my personal home.

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I financed this property using down payment funds from 403B and a local commercial bank. 15% down from personal funds. 85% down from community commercial bank. 3yr balloon, 20yr amortization, 7% interest rate.

Great for personal residence but not for scaling.  

Is 10-15 miles too big of an area when determining the unit count per person?

CA has more than half of the nations homeless/unsheltered persons. 

I personally know of top 1% Airbnb homeowners that are flushed.

The drawback is you need to build trust and relationships upfront.Both have their place, but private money tends to offer more flexibility, while hard money is more structured and accessible if you lack personal connections.