Because we get no benefits, we have to pay for private healthcare insurance, and save for retirement out of our income with no matching funds from an employer.  

You could lose everything.If you can find one, and you can if you ask enough people, find a private lender to make a loan to you.

@Shay Singh probably the easiest and most passive way to earn the 4K a month would be to lend it out as a private money lender by buying notes.

You aren't borrowing from hard money lenders. you borrow from Private lenders. 

I use a Private Money Lender and Hard Money Lender.

I had a Private Money Lender and Hard Money Lender.

I used Private Money, Hard Money, and some of my own money.

You could do a hard money loan or private money then refinance after purchase or use a HELOC if you have another property you can borrow on. 

Any input is appreciated ToanYou're getting a mixed bag of answers because the term "portfolio" is used in a variety of instances.A portfolio loan is one that is kept on its books by a bank, a correspondent lender or a private lender. 

We have financed these through various methods including traditional, home equity from our primary home, private money, and seller financed.