Looking for referral to Private or Plubic lender.

Or you could take out hard money, private money as long as there are liens on the properties and then rate and term refinance them, up to ten mortgaged properties.

However, I am a bit unclear on the difference between a hard vs private money lender.

Again good farm land is in high demand and usually goes up for auction or is sold privately.

Wanting to BRRRR a bunch of times and I don't want to get tied up for months, because the lender decided no more, while we have private loans or personal capital in it.Can you elaborate on delayed financing?

Your partner / private mortgage lender also is not the borrower to the main lender, so none of the PATRIOT Act stuff applies. 

It is a 3/2 with all the bells and whistles and even has a 700 sq ft apartment attached to the garage with its own private entrance.

Thevast majority of rentals and private homes in my city have them.

I have friends who are have been commercial bankers  at FDIC chartered banks public and private for decades who are leaving because they cannot push loans through. 

I haven't really heard of someone getting terms like that in the private lending environment in a first deal.