My suggestion would be to either buy some easily rentable single families NEAR you or invest as a private lender to other investors (that have the time). 

In retrospect, it would have been easier to refiance using private/hard money even though I would pay a little more for it. 

For my Fix-n-Flips I usually do private money (hard money) or conventional rehab loans (the application and approval process is tedious but they have better interest rates and fees). 

In some cases, especially when you work with corporations versus private tenants, you may not get payment for 45 days.NERVESAre you a worrier?

Are there any private funding sources that focus more on the deal than personal credit?

I am offered 100% financing with 50/50 split on net profit with private investor.

In short, it has a lot to do with how I wasn’t raised and me not taking responsibility over my life in that way.So I think the refi options is great and actually I found a creative way to do so through a private lender.

.- I’m not interested in anyone selling insurance - I know everyone says not to count on my pension, there is no guarantee, but if there was a measure of likelihood that a company would be able to honor their pension commitments then the conservative private company I work for would be rated the highest.- not really interested in savings advice on our 529 plan.- Nothing against Dave Ramsey, I really like most of his advice, but I think some of it is very basic and geared towards low income earners and people who have been very irresponsible with their money and are trying to dig out.- we have a about $70k to invest from our SDIRA, less if we convert a portion of that to a Roth.- we also will have about $250k to invest from the sale of our home.

I am looking for advice and/or possible leads for private money/hard money lenders that would be interested in a 1-2 year loan for a down payment of a property.

@Joseph GarnerI told them my business plan on an ideal property I was looking at, how I was going to manage/exit the deal and where my downpayment was coming from which was via private money.