Unlike cash buyers or those with extensive experience in the market, many younger buyers are still navigating the mortgage process while actively house hunting.

Has anyone had accurate experience with say...

On larger deals, I've actually seen LTVs come down in the 50%-65% range, depending on the type of property/experience of the developer.

You Can Only Have 35 Non-Accredited InvestorsRule 506(b) allows an unlimited number of accredited investors but restricts you to only 35 non-accredited investors.However, there’s a catch:Non-accredited investors must be financially sophisticated.They must have enough experience to evaluate the investment risks.From the SEC:“Securities may not be sold to more than 35 non-accredited investors… [who] must meet the legal standard of having sufficient knowledge and experience in financial and business matters to be capable of evaluating the merits and risks of the prospective investment.”If you’re planning to include non-accredited investors, make sure they qualify—or you could be violating SEC rules.3.

Are there other pathways I should consider, based on my goals and experience?

How to Start Investing in Real Estate in 2025 (ZERO Experience)Good luck, Tyler! 

My only experience with real estate was my father being a property manager (something I didn’t want to do).

I have experience with this in Ohio, but usually much larger parcels of land to split.

I doubt I would hand the whole thing over to a developer, as I'm inclined to use the experience as a stepping stone in my career. 

While most of his experience is with new construction rather than remodels, he’s already given me a few pointers and is looking into potential referrals for me.