It's just to point out that whether a property cash flows at 1% or 2% or 29% is very specific to an individual investor.  

If you do it as a side deal contract then you are taking an awful lot of risk.The 1003, which is authorized by Title 18 of the United States Code, Section 1001, is very clear in this regard.

In either one, the trustee won't be authorizing any "bargains", at the expense of the creditors.

Hopefully, you're a motivated enough of an individual to make those activities worth while, effective and efficient.

So far I've done 9 deals total through crowdfunding. 3 have been individual assets and 6 have been funds (a mix of commercial, retail, multifamily, and single family). 

Hell who is to say an individual will live long enough to enjoy retirement.

Maybe you should present this to a couple local mortgage brokers, they will have a larger contact list then you and they will only have to run your credit once vs going to each individual bank.  

Please keep in mind there is a big difference between a portfolio loan and an individual 30 yr fixed.

The main differences being that hard money comes from an institution as opposed to a private individual. 

This article's focus is on forward-looking expectations of individual housing markets.