Here’s a breakdown to address your questions:30-Year Fixed-Rate Loan for Non-Residents: While traditional 30-year fixed-rate loans might be harder to qualify for as a non-resident citizen, non-QM lenders offer flexible options.

Have you found that private money lending allows you to structure deals in ways traditional lenders won’t?

It reasonably allows us to forecast the combination of traditional W2 earnings + a growing real estate portfolio and model out corresponding tax considerations. 

Local lender, helping investors on flips and rental (traditional) portfolios here in TX. 

Side note: My husband and I are currently funemployed (we both have seasonal jobs) until October, so not sure if we could qualify for traditional re/financing options at this time.

Here are a few specific questions I’m curious about:How does the approval process differ from traditional loans?

My ROI differs from the traditional assumptions which include appreciation and other factors.

Many investors are feeling the squeeze from traditional lenders, so it's no surprise that more are turning to private money lenders to access capital faster.

Network: Local meetups or online groups (like BiggerPockets)Check out financing options: traditional, creative, or raise capital.Look at properties in your area to understand the market.Let's connect!

Traditionally if you want to hedge against inflation, RE is a great choice.