High rates are here for at least the medium-term (1-2 years), so deals will have to pencil in this current environment.You may also want to consider hard money for your lending, as they can often fund your construction with far fewer restrictions than a HomeStyle loan.

I’m reading Lend to Live right now actually.

Hi Jonathan,I set up my SDIRA years ago for the purpose of purchasing notes and have since used it for lending and doing land trust investments.

It’s my brother and 2 good friends that have some experience. the money lender would be a family member of mine lending out of their self directed IRA so they will be lenient with us.

Typically speaking 20% down (80% LTV) is the bare minimum that commercial lending requires.  10% down is unheard of unless you are getting a great deal and negotiate some small seller financing in second position or getting an SBA Loan for acquisition where your business will occupy over 51% of. 

I'm curious what real estate investors and private money lenders like myself use to inform their businesses strategy and predict future market conditions. I just got done making a YT video on the subject, so it's fres...

Deposits from the tenant.Security deposits from the tenant in residential dwelling units shall be deposited in a trust account with a licensed and federally insured depository institution lawfully doing business in this State or the landlord may, at his option, furnish a bond from an insurance company licensed to do business in North Carolina.

Can anyone please lend some guidance? 

Also, it lends itself to unconscious bias because we are more likely to view negatively people who are different than us.

I think the dead giveaway is the rate and points. 5% is too low for anyone to lend now.