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. 

We have substantial job opportunities here. 

.- The variety of financing products available as individual tenant in common loans remains limited, and the terms are generally less favorable than either apartment building loans or condominium loans.

I'm eager to learn from experienced investors, connect with other like-minded individuals, and contribute to the vibrant discussions here.

These small, individual actions lead to big impact.

Hey @Zach Howard,Happy to connect with you and put you in touch with some solid individuals in Augusta, GA.

The only thing that I receive are monthly invoices with fees that they cannot substantiate.

you also need to source the property, and for BRRRR you need a goldilocks property - something that is distressed enough that you can buy substantially below market, but not so distressed that it's not worth fixing up.hope this helps - happy to help further

Investment bankers are usually looking to lend to a LLC vs an individual.

I analyze every opportunity as if it were my own and connect my clients with the right resources to build wealth through real estate.I’m always looking to network with like-minded individuals, help new investors get started, and assist experienced investors in finding cash-flowing properties.