So I need have either private/portfolio/hard money funding.

However, I tried a private money lender first and because it was a move-in ready home, he declined.

Outside of investing actively in real estate, another route you could take is becoming a private / hard money lender.

I offered less than what was expected and used cash, because I couldn't find a private lender that was willing to finance less than $75,000.

Avoid operation of a private or commercial golf course, country club, massage parlor, hot tub facility, suntan facility, racetrack, gambling establishment, or a store whose principal business is the sale of alcohol for consumption off premises.The 4th requirement is of particular importance with regard to the real estate company in your hypothetical. 

If it is an empty property you may not need the realtor to go with you except if it is on a private road or behind locked gate.

We are selling an old house in the Bay Area that needs a full replacement of a sewer lateral (about $7k). This is a requirement by the city during the sale of a house and we have to be in compliance before transferrin...

Should I get a loan from a bank or should I get a private lender?

Use a credit union and buy from a private seller .

Shoot me a private message if interested.Best,