Professionally, I work on a small investment team managing private money.My target property is small multi-family units (2-4 units). 

There is security in numbers.

Private transaction with homeowner.

If you’ll pay the $500 equivalent to fixing the broken cooktop, I’ll pay the rest and you can enjoy a new stove for the remainder of your lease.In court, if she left at the end of her lease and you had a broken cooktop, you could only recoup the 4/15ths or whatever of the remaining useful life was, against her security deposit.

Note, however, that if you are attempting to raise capital from other investors, a QOZ Fund is classified as a security, not a real estate interest - it is highly recommended to consult your CPA and attorney before raising capital from others.If you invest in a QOF fund that does not adhere to the up-front or on-going requirements, an investor potentially opens themselves up to taxes on the previously deferred capital gains/recapture and potentially to penalties. 

I offer loans backed by securities.

I am a student in university, fairly new to REI and busy learning about my local market where I plan to invest.I am in the process of saving for loan down payment since I aim to first acquire a rental or more ideally do a house-hack when I am able to qualify for a loan (I have not researched private lending yet - any tips would be welcomed for financing options).I have a semester break coming up in which I hope to go out and get a feel for the Cape Town market - open to anything.

(loan against my dot/note)$50,000 1st position deed of trust/note (only lien on title)Secured by $450,000+ newly remodeled property with clean titleNo interest rate, past balloon date so can be called due at any time (was placed as interest in home)Property is titled to an LLC so homestead exemption wouldn't apply in event needed to forecloseLooking for a short-term loan using the note and deed of trust as collateral. 

Would this be secured or unsecured loan?

I have a couple of private investors however their lending ability combined would not meet the down payment requirement.The question I'm submitting to the forum is, how can I structure creative financing for this deal including the down payment?