With the right layout and location, this home was transformed into three separate short-term rentals, maximizing its income potential.By understanding my client’s investment goals, I identified the ideal property that offered both value and opportunity for a high return.

I totally understand!

People typically don't even tell the lender of the change because in theory the lender could call the loan due based on the "due on sale" clause, but this is exceedingly rare from what I understand.

The most effective plan is usually one that is tailored to your individual circumstances, so it’s crucial to work with someone who understands both structuring and real estate investing. 

I understand and feel bad when an agent shows a zillion house writes losing offers and does a lot of leg work. 

Network with local investors to understand what formulas they're using.3.

Unfortunately, retorts like yours show that compete lack of knowledge & understanding. 

I would not try and raise money from people (alot of legal implications), but if you know people with money who want to invest, you may be able to get preferred termsAlso sometimes best to partner with someone with experience as well.I see yes I agree on that.As homeowners we understand how much sheer determination it takes to save for a down payment.Would you recommend using OPM like a hard money lender to buy the property or would you recommend buying a property in cash?

Spend some time to understand how to underwrite a deal.

That type of loan its very important to understand the lender and the draw process - as there are some larger firms who may have great rates but awful to deal with on draws and tie up money for a long time which may slow down construction - so its not always about the rate (rate is important) but for this type of project you want a lender who understands the draw process.