Pick something that fits your style and investment of both time and money. 

You could structure a low down payment with interest-only payments for a set period, then refinance later.Master Lease with Option to Buy – Control the property now, generate cash flow by leasing it, then buy once it's stabilized.Sub-To or Wrap Mortgage – If there’s existing debt, you might be able to take over payments or structure a wraparound mortgage to benefit both parties.Hard Money or Private Lender for Reno Costs – If you secure a seller-financed deal, you can use private or hard money for the rehab without tying up your own capital.BRRRR Strategy with a Bridge Loan – If you can get the purchase price down, use a bridge loan for acquisition and rehab, then refinance with DSCR or conventional financing.Would love to hear more details to help structure something solid.

Home Depot and Lowes have a money-back return policy.

I want to make as much money as possible in 4-5 years.

I’ve also seen owners of a fund pull money from escrow accounts when cash flow got tight.Being trusting is good, but being trusting while also putting safeguards in place is even better.

So if they can get guaranteed 5% interest in an account they can get their money out of at any time they’ll want 8-10-12%. 

I enjoy the challenges of earning money. 

They don't care you have money on the table. 

Private Money or Hard Money LendersIf traditional financing is a challenge, a private or hard money lender could fund the construction phase.

But I was going to put the money in the bank anyway as I didn’t need it.)They are paying for professional loan servicing And most importantly.