Private money and personal funds.

I doubt you'll make 11% with the S&P, but it is probably still your best bet.

He talks about obtaining private money.

Nothing really appealing to me as an accredited investor. let's refine your approach.Contrarian bet on B class office needs to be 50x equity or something

You set your own payment terms with YOUR client and then find funding for them.The Capital Syndicate is a private lender firm that offers financing through their own company, but they also provide you with a list of about 150 other private lenders. 

I do a lot of private lending and we do make some passive interest, but the good fixing flippers make the bulk of the money.

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

I might have a private lender referral that does rural loans in Mid-MO if you're interested. 

12 or 24 Month Bank Statement is probably the best bet.

Bought it as a safe bet thinking it would do roughly $35k annually in short term rents.