Hence all of my questioning on the status of 5 points. he said he did not own it and just referred folks to that company  just like many refer folks to you to manage..

Does anybody have any solutions that may help bridge this gap for folks that may be coming to the table with say 20% - 30%?  

I see folks who have Solo 401(k)'s, but only have passive income.

thanks for that so is 1.5% bad bc that's what that person messaged me  there is no regulation on Transactional funding basically its whatever you can negotiate.. 1% is the going rate from most.. some will be higher some will be lower.. just google around for TF funding and and talk to a number of those funders to find your best deal.there are half a dozen of these folks or so on BP that do provide this service maybe they will catch this thread or maybe you do some snooping around on the site and find them.

Lots of Portland-area folks on here, so you should be able to get great advice if you ask specific questions.

However when I would do work outs it could be a challenge for private second holders to understand the pickle they were in.All the more reason every investor should obtain qualified legal consultation before investing directly into notes  Don I should have added the reason these folks were paying on the second and not the first is the payment was much smaller.. 

Otherwise, I'd take another look at the assumptions you're making / share the income and expenses here for folks to take a look at.hope this helps

BiggerPockets groups —lots of solid resources and a supportive community here or at local REI meetups; you'll find folks willing to share tips (and maybe even some potential partners).Here are some other strategies that could also help you scale faster:Partnerships/Joint Ventures: Teaming up with others, especially experienced investors or people with capital but limited time.

In Denver where I invest it's actually a PLUS to not have the other unit considered separate because permits are only allowed for STR if you're renting out your primary residence and I know many folks who put a locking door on part of their home and have a separate external entrance to that part of the house, and rent it out as an AirBNB without it being considered an additional unit by the city.

I have done it twice.I tell folks just go for a walk on the road or bike trail along the lake and don't toss the butts.