Offering me loan at 5% interest for 30 years no prepayment.

As a CA broker I can originate whole as well as fractionalized loans.

But the value that can be added in high value markets is greater than in low cost markets.My last value add (purchased Dec 2021) was purchased off market at $2.25M and was appraised at purchase at $2.5M for the loan (so on purchase I "made" $250K). 

Secure financing through conventional mortgages, FHA loans, VA loans, or private financing.Start searching for properties that meet your investment criteria and financing options.

From a lender's perspective, we struggle to get good loan officers.

Hello I hear their are unsecured loans I can acquire via my income history I believe they give you an income of 20% of the loan now can I pay into the debt replacing pre existing gray space the remaining 80% or will it remain outside as a new amount, hopefully that's understandable.also if I earn $30,000  annually what amount do they let me receive, thanks appreciate entirely.

You will also need to see if they have a loan on the property and how much you would be putting down. 

In terms of doing a house hack, you likely will want to do a 5% down loan or something similar.

Automate the home, give outstanding service and communication...offer a better mouse trap and you'll do fine.Best of luck!

Also, we have no consumer debt, car loans, or student debt.