Maybe a DSCR loan?

I think this would be a waste of money.Have pride in your place and provide quality stuff like a nice hot tub or just don't have a hot tub at all. 

Specifically, what stood out about their approach, the impact they had on you, and advice you’d give someone considering working with them.Thank you all for any insight you can provide. 

I am pretty sure state farm will ask me to start a new claim.Hope that provides some insights.

So the only money out of pocket is any closing costs that don't get worked into a new loan.

Our primary goal is to retain as much equity in our properties as possible while leveraging outside capital to scale faster.Proposed Investment Structure:Investors contribute 30% of the purchase price and 30% of furnishing/rehab costs.Our LLC secures a new purchase loan in its name only, taking on 100% of the debt.This structure allows us to maintain 70% ownership of the property.Properties will be actively managed to maximize returns, likely achieving higher upside than long-term rentals.Proposed Compensation for Investors:6% preferred return annually.After the preferred return is met, profits are split 75/25 (with investors receiving 75% of profits on their portion of ownership).Profit Calculation:Revenue – Operating ExpensesExcludes mortgage principal & interest, as our LLC assumes full responsibility for the loan.Looking for Feedback:Is this structure fair and attractive to investors while ensuring long-term alignment? 

Scaling up doesn’t always require 20% down—house hacking (FHA or 5% conventional), DSCR loans, seller financing, and the BRRRR method can help you acquire more properties with less cash upfront.

If its just deed than an attorney can redo deed and charge a recording fee but if a payment missed and mortgage company finds out they can request a total loan repayment.  

Get a FHA loan, there are several other programs out there. 

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.