Lending proposalFor Real estate purchase and rehab ONLYIf hard money loan (no equity)1 point8% APR interest if monthly paymentsOr 9% interest if we can pay at the end of project90% purchase, 100% renovationInterest only paymentsUse “construction holdback” (draws as construction happens)If co-ownership in a flip:80/20 ownershipNo points or interest90% purchase, 100% renovationNo paymentsSplit net profit 80% to borrower, 20% to lenderExample: $100k purchase, $50k rehab, $200k sale.

Lurkers, this is the sort of thing you plan out with your LO ahead of time, in great detail. https://selling-guide.fanniema...Cash out refinance...Eligibility requirements...The property must have been purchased (or acquired) by at least one borrower no less than six months prior to the disbursement date of the new mortgage loan except for the following:There is no waiting period if the lender documents that the borrower acquired the property through an inheritance or was legally awarded the property (divorce, separation, or dissolution of a domestic partnership).The delayed financing requirements are met.

Find the forum that discusses mobile homes.With mobile home notes, you have the chance to get into a note with low capital & borrowers who many times don't have any other options.

Conventional loans sold to GSE (our government and the lower rates) borrowers need 25% down payment.

I borrowed on the equity from our primary for the down payment of an invest property.

Also, I read in the book that lenders focus more on a property's cash flow and profitability more than the borrower's credit and income in case of a commercial property, and a multifamily complex more than four units can be categorized as a commercial real estate.

One condo would pay for the borrowed money and I'd still be cash flowing pretty well with the others.

You can always borrow money through a Cash out refinance or HELOC. 

If you can, bring the deal and just borrow money from a partner at a set interest rate until you can pay them back and then while you’re saving money to refinance it they get interest on their loan.

So the volatility churn has been, inventory and demand have reset somewhat, with sellers trimming down their asking prices to put them within some achievable range of what they got appraised at, and buyers formerly under contract going back into the market with a more modest expectation of what they should be able to borrow with what cash they are able to put down.