The reason being if we adjust depreciation you get to take that back depreciation in the current year....and that impact of expense shouldn't impact your lending approval.

You could also look into hardmoney/private lending as I believe they have different requirements (I'm not too familiar with the process however so do your research!). 

@Joe Fairless has just published a book on apartment syndication.  

The HUD program has a 35-year fix and 35-year amortization, the loan amounts can go down to $2MM but many lenders do not want to lend on anything less than $3MM or higher.

Hi, any recommendation for mortgage providers in Delaware that offers mortgages with less than 20% down payment?

buying a syndication?)

Say you had enough for 10% down on a good deal would It be wise to get private money for the rest (projecting a mortgage of 1500 and PML payment of 500 and cash flow 700/mo) Let’s say you have exhausted all friends, family, colleagues for that other 10%, are there private lending companies out there that would negotiate terms?

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.

Most of the syndicators I know guide to 8%. 

@Maria Luna, Good afternoon, unfortunately Stonebridge Groups does not acquire in Jacksonville, we do acquire in Central Florida, we offer property management, lending, and much more.