Portfolio lending has different guidelines because it's their own products. 

Meantime, run the numbers... it doesn’t cost you that much more to get a 30yr and pay it like a 15yr (from the interest rate difference between the products)

We are market makers, we were able to reposition this building into a B product, with a massive CAPEX for renovating units and interiors, as well as infusing a boatload of amenities for residents.

we've been quoted about 4% on a SBA 504but it probably requires an entity as wellas hiring one employee per $65K borrowed.What other lending products are out there?

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.

There are a few local lenders offering construction/rehab loan products, each with slightly different requirements and perks.

Typically hard money is where you go when you need short term rehab money, but there are long-term products now that are more expensive than what a conventional lender will offer.

Im also looking for software for project management and property management if anyone has products they love. 

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.

Specifically, for the strategy I used, I did have to have quite a bit of money saved up ($90k) and that was from yrs of saving before, during and after the military.Before I even knew about house hacking and 4plexs and the VA home loan I was building my credit just because and just saving nearly my whole paycheck while I was living in the barracks, eating the food in the DFAC (Chow hall), no expensive toys and even after my contract ended I moved back home and lived with my dad for free and continued saving nearly my whole paycheck while I was working for AZ DOC as a Corrections Officer. basically, just keeping my expenses as low as possible and stacking cash away so I could take advantage of opportunities.So, it would behoove you to do the same and keep your expenses low, don't go into debt buying an expensive doodad like a $40k car, and a bunch of bad debt, and take advantage of one of the greatest loan products on the market!!