Another option is house hacking—buying a small multi-unit, living in one, and renting the rest to cut costs.

We are trying to think of all our options for a rehab loan.

Choose the Right LocationProximity to Campus: Prioritize properties within walking or biking distance to minimize transportation costs.Safety and Security: Research neighborhood crime rates and local security measures.Access to Amenities: Look for nearby grocery stores, healthcare facilities, and entertainment options.3.

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

If you want to develop it, I can refer you a lender that will lend on a completed subject to appraisal but you'll be limited if you just want it for the lot.If you simply want the land as part of your property, you have more options including a HELOC which you can still use for development down the road. 

Are there any options out there that won't tear away the margin on flips?

The advice I would give as a lender are these few options if you both are on mortgage.

If you're considering purchasing under a business name, consult a CPA or attorney for setup and financing options.

What was the quality like compared to local options?

Yes quite a few of our 5,000 options have rate and term or purchase!