Ive just begin researching private money lenders, and HML, and this seems like the most possible path for someone who has the knowledge and ability, but not the credit worthiness.  

This was extreme, over-the-top bullcrap - but it cost him $45,000 in fines.The bottom line is to never even discuss anything about an applicant except their credit worthiness. 

While I personally respect and weigh heavily on credit worthiness, morals, and ethics, others don't always seem to have the same respect for it and the threat of a hole in the desert may be better served as the warning not to mess with you!

These are secured loans with rates and terms that depend on the investment potential of the property rather than the borrower's creditworthiness.

This plan should include a marketing plan, a detailed budget, and projected financial statements.Collateral: Lenders will require collateral for the loan, which could include real estate, equipment, inventory, or other assets.Creditworthiness: The creditworthiness of the business and its owners will be evaluated, including credit scores, payment history, and other financial metrics.Legal documents: Legal documents, such as business licenses, tax returns, and articles of incorporation, may also be required.Industry-specific requirements: Some lenders may have additional requirements specific to the industry in which the business operates, such as minimum revenue or cash flow requirements.

Maybe someone lies about their credit worthiness, income, existing liens, etc.  

Don't get sucked into lending money to an inexperienced flipper or someone who is not credit worthy on his or her own.

All the regional banks in my market are lending for real estate, as long as you are credit worthy, have a debt to income ratio within their guidelines, and meet whatever their other loan criteria is.  

So I'd consider how strong the location is and how creditworthy the tenants are.

This can give them more flexibility when it comes to loan terms and underwriting criteria, which can be beneficial for investors looking to scale their portfolios quickly.DSCR Lenders: As mentioned earlier, DSCR lenders focus on the cash flow of the property rather than the borrower's creditworthiness.