Each contractor sets their own price , and the customer either agrees and hires them of finds somebody else . 

Now everybody and their mother's cat is doing it so we might want to look into storage and notes but also groom and nurture our network of private investors and such.We have lost touch with nature.

Should I go to hard money lenders for the rest or keep looking for more Private money?

Please feel free to private message me with any questions, would be happy to help guide you through any other issues.Good luck!

I think the approaches above have ruled out any kind of conventional mortgage, so I'm left with commercial loans/private lenders.

My strategy is using private lenders to fund the deal, then refi through banks.  

I'm seeking tax tips for depreciation on an SFR that was purchased in 2014 as our private residence then converted to rental in 2016Details:Purchased in 2014loan was refinanced in 2015  We began depreciating in 2016 tax year, the year we began renting the home as landlordstax preparer for 2016 taxes entered basis amount based on 2015 assessment, not assessment from purchase year or for the 2016 assessmentunsure if bases was set correctly and whether to carry through that same basis or pull current year assessment for this and subsequent tax yearsTurbo Tax seems to be steering me towards using the purchase year assessment for the basis for depreciation.  

I think the customer experience using these companies will vary widely depending on the specific crew/ store/ location of course. 

However, wouldn't that stream of income go towards a private lender (bank) since I would have to put 20% money down payment and the 80% give or take would originate from a lender? 

I have been out fund raising and while I was prepared to handle a primary private lender.