That's how we got connected with Wilshire Fund, and thankfully we were able to close on a $10M loan @8% with 1 point up front – it was a very unique opportunity.

I plan on calling financial plus credit union, Elga credit union, Michigan State credit union (they have some unique car loan options so might be flexible), and finding others to get a portfolio loan.

It is a very unique property due to the fact it sits on an acre lot with an old 30 x 30 barn built in 1950.

If you could A) continue to provide him with a vision of what a successful endgame can look like (because each individual's successful situation is unique) and B) cultivate ownership of his REI future while C) providing tools to get there at a good pace for his development, that would be an enviable setup for many at the tender age of 14.  

It's a unique situation in that the average Chicago house hacker has great credit and strong income but likes to put as little as possible down.

@Derek Dombeck very unique ideas.

I have a unique Multi-family real estate idea.

This route does extend the timeline to repay the investor by quite a bit though. 

Commercial loans are based on the asset, whereas residential loans are based on the applicant's ability to repay the loan.

Based on that, what properties can you qualify for, run numbers, and project methods of repayment or profit sharing on that.If an investor is giving you a loan for a down payment, that will count against your debt to income ratio.