@Justin Madison bank statement loan programs are ideal alternatives for credit worthy self-employed borrowers. 

The only way to get the 80% for the short term/bridge product is if the borrower's creditworthiness is exceptional, debt services and not needing a syndication deal.  

.- Commercial Lenders: these loans typically are tailored for commercial properties or investment portfolios - Online Lenders/Crowdfunding PlatformsThey will all typically evaluate the overall performance and value of your portfolio, as well as your creditworthiness.

I’m sure you could find some loophole or get creative with a cash credit from a card issuer depending on your creditworthiness, but the rates after any introductory rate will be insanely high.

Lenders use a special kind of credit score called FICO to check creditworthiness for home loans.

Since the seller is the qualifying agent and controls the stipulations of the contract, the seller may set their own requirements for the credit worthiness of the buyer, the amount of the down payment or any other item that might typically be dictated by a bank or some other 3rd party.

In some instances, an investor may be able to enter into the agreement with no down payment, essentially acquiring the property for zero dollars.Hard moneyHard money is one of the most common funding sources for real-estate investors.This type of financing is almost always asset based — which means that the lender will review the subject property to make the decision on the loan, rather than the creditworthiness of the borrower.

Who cares about diversification if it is a credit worthy tenant.

Most lenders are able to provide terms sheets up front with some key pieces of information from the borrower about the asset and borrower creditworthiness.

Hard money lending a large industry and there are lots of components to how it works.In general, a lender will give you a loan based on the value of the property vs your credit worthiness.