If your not ready to spend money on a software you can use tax records.

I will not have a full time job until this comes, so I wont be able to show much income other than part time money flowing in, until I start this position.

Happy to be here - and good to have a good hard-money lender as an option!

How do you figure out who you can trust to handle your money?

The other way I fund deals with none of my own money is using a private lender that I have years of experience and relationship with and/or using HELOC and other business lines of credit.

If they aren't charging a pre-disclosed & agreed upon Markup - they are probably hiding something to make money for their time.Good luck!

But you have the option to just pay the monthly payment up to maturity in case something goes wrong or if you decide you can use that money better to just build another property instead of paying it off. 

You'll still have plenty of money to do a duplex/quadplex and give you breathing room (what would you do if you needed a large repair on the rental?).

And these would generally be 12% so you blend the 8% bank money and the 12% private money to get your rate.. 

My broker advised me to "bite the bullet" and close the deal, telling me that I should be glad I wasn’t losing money on the deal.