Or, based on my experience, there is an established relationship already.I don't personally look for that (since I've judged my backend profits to be more valuable than the alternative), but I know people locally who do.

Some depend on revenue and credit and some can be secured by using real estate collateral or other valuables.

Thank you for your valuable feedback

What this means is that no traditional mortgage company will finance the home as the 2nd lien holder so if you plan on refinancing or selling the home, you have to pay off the "program" to be able to do so.(3) Some of these "programs" have penalties attached for early pay off or transfer of loan to another.(4)  The interest rates on these "programs" for these loans are high as many of them do not use credit scores to qualify people seeking the loans.Finally, there was a recent news article in my local paper about the "HERO" program [one of the green programs] which warned about using the program for these very reasons:**Beth Mills, a spokeswoman for California Banking Association, said in a telephone interview that any program that makes homes more energy-efficient is valuable, but the financing structure is problematic.

If you have valuable experience with buy and hold properties, flips, wholesale, or anything in commercial real estate as well, please let me know.More specifically, I'm looking for a partner/mentor with the experience and the funds to help me with building my real estate business.

Not to waste valuable precious time looking for the fast path.

You can literally be a middle school school dropout, turn 21, and the next day be a Big Bank loan officer without ever passing a single test.But for Local Lenders with flexibility, we face a LOT of hurdles just to add a single additional state or even maintain our own...Think of that whenever you read "lending in all 50 states!"

Same question, can you receive higher than market rents and is your profit higher or are there additional ongoing expenses.

Thank you for the valuable feedback as well. 

I guess my intention is to purchase free and clear then pull my initial investment out and acquire additional property