@Lena Claybon Recommend trying to tap into your own network (friends and family) to see if you can find any private money lenders.

Do I have to pay a down payment for a hard money or private money loan?

Worst case....I keep it without a note until I find a bank or private lender.

Sending a private message now.

@Jeffrey Berry Just sent you a private message.

If you want to send me a private message, I will send you all of his information.

@Charlie Moore as a private investor, you don't have to do anything fancy.

Net Monthly cashflow 462$85%BANK LOAN, 7,5%LOAN FROM SELLER, 7,5% PRIVATE LOAN FROM INVESTOR0 MONEY DOWN - Infinite return

There is plenty of private money that would lend 50 to 65% LTV so long as the collateral is decent and you're a decent human being.You should also consider encumbering that property for asset protection

Purchase price: $92,200 Cash invested: $13,500 Sale price: $140,000So on this deal, we were purchasing the house for $92,200 with an estimated repair budget of $8,870 for a total cost of $101,070 meaning the bank would lend $90,963.We borrowed $17,500 from our private investor to cover the 10% required from the bank, closing costs, and money left over to start the rehab until the bank gives that money back through draws.We ended up spending a little over $10,000 on this house, which was fine because there was room.We listed it for $134,900 and got an offer on day 1 for $140,000.