Is this a traditional rental or vacation rental?

@Shaun Weekes what I was trying to achieve if reasonable rates existed was to not pay traditional mortgage underwriting expenses plus incur another hard pull on credit.

I wa wondering if anyone used any platforms like LendingClub or any other programs that yield a good return and don't involve too much of the legal aspect that you have with traditional niches. 

Delayed financing for cash buyers. 30% down payments for loans up to $2M.Capital Three Sixty- National Lender, Residential, Commercial & Hard Money Lender (Ask for Jon Finman)Civic Financial = direct lender www.civicfs.com 1 year 8.5%-10.5% fix and flip2 year 8.5% to 10.5% extended rehab or qual for conforming loan, IO4 year 8.5-10.5% if you cannot obtain traditional mortgage financing.

I do make a traditional commission on the base policy.This kind of policy does take some specialty work - that’s why term is so popular  it’s much easier to sell, but a lot of my business comes from referral.

Traditional owner occupant home buyers?

Well, @Rafael Encarnacion it is a subject to deal, though not in the traditional sense. 

Hard money lending is the most traditional for a flip. 

Just let the traditional loan close with the buyer /seller and then get your check directly from seller.

(preferably a 4 unit with some value add available) After this we will save up again and purchase as many more small 2-4 unit properties as we can via traditional financing until our debt to income limits us.