How should I best find private lenders who would offer 8% annualized with payment after? 

Not only was this method more accurate and less biased, but it creates a scale-able methodology.

With $20k in savings and an additional $4k monthly saving rate, I'm navigating my next steps carefully, especially since I value starting with a substantial equity position in any deal.Here are the options I'm contemplating:Invest in a Low Entry Property: With my capacity for a 20% down payment, I'm considering properties in the $100k-$120k range.

The borrower was 11 months behind on payments and between the payments and legal needed $18,560 to bring the loan current.  

have anyone of you tried this method?

Do not collect banking or financial information and absolutely do not use an online payment service that is flaunting the law by linking to bank accounts as a means of pseudo investigations. 5.

You can really mess up the seller's credit if you miss payments and they can then sue you.4.

One thing I see as a lender is that any kind of owner-occupied loan with a low down payment will not allow you to build enough equity to refinance out of it, even when you are forcing equity with a rehab.

60k down payment with a loan from Provident FundingHow did you add value to the deal?

I know this because I have 5 two bedrooms there.You could have possibly been lucky to break even in 2023 but now that HELOC on your primary home that you used as a down payment for your cabin is calling at an even higher interest rate than you planned on because the cash flow wasn't what you thought it'd be so it wasn't paid down as quickly as planned.