The prior owner converted the garage into a 2b/1ba private suite (so now I have a 6bed 4bath home - but no garage) a garage is important to add value to the home.Here's to a prosperous 2025!

"In a 2016 paper, Mark Zandi, chief economist at Moody’s Analytics, estimated that full privatization of Fannie and Freddie would cost the typical American taking out a new mortgage $1,200 annually.

How about a house with an ADU, or a basement with a private entrance that can be rented out?

Many large private lenders will work with smaller lenders as correspondents.

I had never heard of such a thing.. and most private flippers dont know it either So like on our subdivisions whatever LLC we own it in that LLC also has to have a developers license .. so  If you have multple subdivision going in multiple LLC you need multiple developers licenses.. where this can stymie some folks  NOT EVERYONE can qualify for a Bond.

Applicant credit scores should be treated with a high level of care and should not be handed out when they aren't assured that you are locking them up and taking due care with private and sensitive data.So, many places, including the screening company we used for years before moving to a PM, provide a suitability score rather than the actual credit score. 

Now, this was all done with someone's private money so is it private money or hard money?

You will get more for the property versus selling it to a private party or wholesaler.

We have retirement accounts, a small private stock market account, and an emergency fund. 

And with a twist, that everything from day 1 is designed and built to facilitate intaking private $ into the "fund".