.- If they own a bunch of homes and are lending from their HELOC...they don't want to be called on a bunch of those if price values plummet- If they borrow from another lender at a lower rate (even the 0% fed rate) with collateral tied to other assets...say the stock market...that's taken a hit, so they can borrow less. - If they have actual private lenders...which they claim they all do, but you'd be surprised how many don't...their private lenders may be going to cash and pulling their moneyYes, they need to lend money to stay in business...but if they themselves are getting squeezed, it'll come back to us investors 

Anyone have any recommendations for financing besides borrowing from my employer sponsored retirement account? 

There was an option for when I first bought my home for BPMI, borrow paid mortgage insurance, which everything I research or says will go away once you’ve reach 20% equity in your home.

If you have $130k to work with you can use that or part of it as a down payment and borrow the rest for flips and grow your cash to invest in longer term holds If that’s ultimately what you would like to do.

Back then I told people if you borrowed a million dollars a day since the birth of christ, you would be less than a trillion dollars in debt today.

If things go south, you can bet lenders and banks will make it harder to borrow. 

The 203k Borrowers Acknowledgement Form (HUD Form 92700-A) states that if there are insufficient funds in the rehab account, then the borrower must place the additional money in the rehab account (paid to the lender) so that the lender can then pay the contractor.

Use that money to earn money for a year and only if you can’t beg, borrow or steal the taxes take a distribution next year at tax time.

FHA allows 3.5% down on 1-4 units...UNLESS YOU HAVE A NON-OCCUPANT CO-SIGNER.And so, my loan officer worked for about 10 days to find another appraiser who was willing to categorize the property as a single family (again, that’s how it was zoned with the county, and because of the layout, locking or unlocking one door at the base of the stairs makes either the entire home accessible to one family, or splits it into separate units.)The seller agreed to wait for this appraisal, and luckily, the new appraiser classified the property as an SFR, but once the loan got to underwriting, the FHA-board decided that due to the upstairs kitchen and the completely separate utilities, this home would STILL be classified as a duplex, and therefore, with a non-occupant co-borrower, I’d be required to put down 25%.This is probably a good point to mention that I’m using a first-time home buyer program for the state of Oklahoma, which gifts you 3.5% for your down payment.

Finally closingAfter multiple appraisals and going back and forth with FHA underwriting, the property was officially classified as a duplex, and because I had a non-occupying co-borrower, that took my required down payment from 3.5% to 25%!