Nothing wrong with being a private money lender.

You still need to put at least 10-25% down depending on experience for a hard money loan.

Seller often think "Where will I get the money to loan you?"

We have already raised half of the money for the community on bank notes with friends and family, we need another $150k before Aug 1st.

Repeat clients mean more compensation with lower expenses (leads cost money) AKA more profit.

The reason they sell those insurance plans is because they make a lot of money off of them.If a $1,000 unexpected expense will cause a problem for you, it may make sense to have that insurance.

We tried offering seller financing, money toward buying down someones rate, etc.

I will then place that in a money market or something that earns 3-5% interest to account for the inflation mentioned above.

Spending the money you are talking for a system that will add minimal value is not where you should be spending your money for a flip. 

This step prevents us from wasting money on inspections if the seller is not willing to adjust the price.