Securing funding has been challenging, particularly because my business documents reflect low revenue from only one duplex, and I am currently between jobs.I have identified a reasonably priced piece of land and have saved a small portion of the funds from my duplex sale to invest in this venture.

Here are some general guidelines: Lien Position1st Position LienEquityMinimum Down Payment of 20-25% (a 30% equity to sale price is preferred)Down Payment made in certified funds and not borrowedMaximum Funding of 70% ITV (Investment to Value)SeasoningMinimum of two monthly payments already made12 months or more preferredPayer CreditCredit Score of 650 or higherNo major derogatory trade lines (No 90-180+ days delinquent, foreclosure, repossession, bankruptcy, etc.)No decline in credit since purchase of businessTermsPrefer 60 months or lessMaximum of 72 monthsNo Balloon Payment preferredCash FlowBusiness has positive cash flow1.25 debt service coverage ratio preferred.DocumentationPersonal guarantee from a creditworthy individualStandard documents including Note, Security Agreement, and UCC-1 filing.Tax Returns on the business that substantiate profit and loss statements.OtherPayment history current and verifiablePayer Interview indicating buyer is satisfied with business and comfortable making paymentsMotivation for selling the note is not a result of a deteriorating businessConsideration of high risk businesses or geographic areasIn these situations, sometimes a partial is a better option. 

Quote from @Jaren Taylor: Quote from @Chris Mason: If you have the ability to market and raise money, then you secure the down payment, and do the normal commercial mortgage process. 

Quote from @Zara Massoud: Your new PM is correct and the old ones were wrong.The property manager must have your social security or tax ID number on file.

After sending out thousands and not getting responses, or at least not good ones, I stopped trying this marketing method.

They should have the option to install a security alarm at their own expense.

It’s all BS.If AI truly worked, there’d be no need for DMM, D4$, cold calling, or any of these other methods.

Residency StatusWhile stationed in Germany, you qualify as a resident, which makes securing a mortgage easier.Even if you're not a resident, many German banks will lend to non-German citizens who can demonstrate financial stability.2.

Executive SummaryIn recent years, Germany has emerged as one of Europe's most stable and attractive real estate markets for international investors, particularly for American investors seeking secure, high-return opportunities.

Many would suggest against RE investing using retirement money but if you go into low risk opportunities it can be a powerful diversification method.