If I add up all the lender fees and my holding costs—like points, origination fees, and interest —I can figure out how much profit I’ll make and what my maximum offer should be.

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

Traditional bank loans can be slow and have strict requirements, while hard money and private lending seem to offer more flexibility.For those who’ve secured funding before, what’s been your experience?

Maybe they are offering financing because no traditional lender will lend on the building. 

I understand the crime concerns, but why do you think traditional financing is risky?

We purchased this buy and hold historic duplex which faces William Land Park in Sacramento.

You'll have more flexibility with non-traditional lenders, traditional will all follow the same Fannie/Freddie guidelines.

The crypto can be considered as EMD or down payment, the rest of the transaction will happen just as if you were running a traditional transaction.If a seller is completely against the idea of receiving crypto, you can always use a service like Bitpay to convert the cryptocurrency to cash.Last but not least, I always ask clients... why sell your crypto asset when you use it to secure a loan?

The cash flow would be nice, but are you planning to hold for a long term or refinance before the balloon or sell?

I use Foremost for my mobile home investing business with the properties I buy and hold.