By the end of 2020, lenders and banks had learned their lesson, and stopped trying to compete on that basis (lo and behold,  once everyone stopped trying to be a rate whore, Q4 wound up being the most profitable quarter ever, for the mortgage industry, and Q4 is normally the slow season!).

Funding a new project with 75% LTV from an existing property is normal.

I was intending on making an offer on a 4plex with a sale price of 175,000The company that is selling the property is RealPro in Fort Lauderdale.They are asking for a 10% deposit with offer - is that a normal amount?

I think @Dmitriy Fomichenko or @Brian Eastman might have a list of lenders who SPECIALIZE in this type of loan, which is different than a 'normal' rental loan.Dan Dietz

We don't want things to get too normal and easy.

It seems Australian property market like a gambling.

You could go to your normal bank to apply but I would recommend you find a smaller lender who is able to work with your personally.

Choosing a syndication with preferred returns can offer you a bit of safety in knowing that the sponsor needs the building to generate revenue for the investors first before they can get paid themselves.FeesSponsors often charge fees to the investors, and that is normal.

This is normal. 

We do that as a "Utility Offset" in order to protect our owners from extremely high utility bills when there are more than the normal guest count.Hot tubs can be incredibly valuable!