Hi everyone,I have a few questions about raising private money.

I did find it interesting that the biggest problem for rental housing (or housing in general) at the moment in NH is that there is a shortage of homes under $300k and rentals under $1100/mo.

We used a private lender to buy the other house  because we have bad credit.

it appears that zillow and other websites grab the listing and post it. the biggest problem I have is to get people to stop calling after the unit is rented. nice problem to have, right?

You actually helped me with my biggest question as to if i needed a license.

They may not question it as much.To answer your other question, if you refinance and the loan is no longer owner occupied, the terms will usually be less favorable.My biggest concern is that you're looking to buy a 4 to 6 unit.

Are you even sure you want to be a hard money lender or would you rather be a private lender? 

That is frankly my biggest concern.

The fact that your loan is maturing in 6 months means that you’ll be in default by the time you can actually qualify.You may need to seek some private lending options.

Send me a private message and we can see what the best steps would be for you and your goals.Cheers to our success!