For most of their existence Fannie and Freddie were privatized.  

•Explore private lenders or hard money loans if you need higher leverage, though the interest rates will likely be much higher.

We have retirement accounts, a small private stock market account, and an emergency fund. 

You will get more for the property versus selling it to a private party or wholesaler.

All is not lost, if you can find a seller of the apartments who is alos willing to finance the purchase for you;  Or look for a private/hard money lender.

As an example, we joined an expensive, but exclusive private networking group 12 years ago.  

Applicant credit scores should be treated with a high level of care and should not be handed out when they aren't assured that you are locking them up and taking due care with private and sensitive data.So, many places, including the screening company we used for years before moving to a PM, provide a suitability score rather than the actual credit score. 

Their customer support is terrible and some of their software, but they have about 8x the site traffic in general than Airbnb and VRBO combined, surprisingly.  

.: Hi All,Is there any way to structure a private lending arrangement so that income is considered passive (by IRS standards) and can offset accumulated schedule E losses?

I’ve had great experience with private landlords in the past, and have found fellow pet lovers that didn’t charge pet rent, or accepted my larger dog (when he was alive) to live in an apartment without hassle.