Love to keep relator out of it, but may need realtor to find a next deal for me as a duplex up to 4 plex on VA loan/owner occupy.

I'm a licensed mortgage broker and have closed loans with clients out of the country.

I focus heavily on the sell side and on the buy side only work with high net worth individuals so the newbie wanting a 400k multifamily with an FHA loan probably isn't for me. 

House was built in 2005 (I lived in this house and rented it out when I moved back to California). 

Quote from @Chris Seveney: Over the past quarter, I have seen around $1B in defaulted fix and flip loans - many of these from new lenders since 2020 and more of a "tech platform".As we all know, the intersection of tech and real estate investing has brought incredible innovation, especially in hard money lending.

One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverage Ratio) is under 1.🔹 How It Works:If your rental income falls short of covering your mortgage (PITI), you can use liquid assets to supplement your income.

He is looking at a group of investors like myself to bring 25% of the project value and then procure a bank loan for the remaining 75%.

Instead of one large loan of $50 million we hold in our portfolio 27 loans ranging in size from $750,000 to $5.9 million.  

I have gotten a few loans through Kiavi.

Structuring Financing for Volume-Based InvestingTraditional financing methods like hard money loans work well for single properties but can be less efficient when you're scaling up.