You'd be surprised how many areas allow for rur dev loans.Also, I believe that some traditional conventional loans allow less than 20% and then require PMI.

I spoke with a traditional lender and they said they would Refinance the loan after a 6 month seasoning period up to 80% of ARV as long as there was no cash-out.With this strategy I feel like it's possible to purchase a property with zero money out of my pocket and possibly even get the refi with no money out of my pocket.These are numbers completely pulled out of no where for the example below:$50,000 Purchase$20,000 Repairs------------$70,000 Total$70,000+685 = $70,685+4% = $73,512.40 (Total Hard Money Loan)ARV would need to be $105,000 in this situation.$105,000 x 70% = $73,500I would need to come to the table with $12.408 Months of holding costs would come out of pocket.

I'd say 'monetizing something where traditional methods aren't or can't.'

I use this to make it simple for the seller and sometimes because I want to negotiate with lien holders and get the benefit of that negotiation.Just as often the seller takes care of back taxes etc. but of course it is all handled at the settlement table so the seller doesn't come out of pocket it is just paid from his proceeds from the sale.Yes I take it to a title company and do a traditional settlement.

If i do traditional, however, im worried id have to get a loan on each property which would incur multiple closing costs etc etc etc...Any help or thoughts would be appreciatedThanks,Logan

Just had an 'interesting' conversation with a long-time Broker who can see no other way than the traditional commission-based system of making money.There's nothing I enjoy more than seeing a new family moving into a rehabbed home.

"Corporate landlords have raised more than $20 billion to buy as many as 200,000 homes in the past two years, creating a new institutional asset class out of the traditional mom-and-pop business of single-family rentals."

(my down would be the collateral for the traditional financing, NOT the value of the SDIRA portion)2) Could my SDIRA be a 20% owner, and use 'owner financing' for the remaining 80% with what ever terms we agreed to (25% down on that portion)?

@Chip Chronister ...Most looking for owner financing won't qualify in 2 years for a mortgage(poor credit, back child support, etc.)..If they could qualify for a traditional mortgage many home choices available...But of course it's not impossible..marketing!

But this might give you a way to hold on to the properties long enough to refi through more traditional lenders.