Hometap claims "no interest" but if you look at cash now vs. percent equity they'd take in a future sale, the implied interest rate is something like 25%.Are there private investors out there who are interested in doing similar deals with better terms? 

Charge the tenants a higher rent rate and include utilities with their rent.

Also, if you list the property at the higher rate because you’re including SOME of the electric utilities (because you won’t be able to eliminate 100% of the bill.) you’re going to lose potential tenants that are filtering by rent and/or see similar properties for less, causing longer vacancies.

I believe I have two options.Property Info:Purchase Price: $365,000Current Loan: $329,000Interest Rate: 5.7%Mortgage:$1900PMI:$130Insurance:$157Taxes: $320Current Rent Left: $1200 (Market $1400)Current Rent Right: Owner Occupy (Market $1800)1.

Thank you Henry, so does this mean they are 21% below street rates with 95% occupancy?

many HML will call themselves private money lenders to give the illusion of cheaper rates and easier terms.Private money is just that individuals with funds to invest that are Private they dont hold themselves out as in the business of lending.normally this would be friends family or other high net individuals you may already know who want to do deals with you.

Look at rental rates, vacancy rates, and typical property taxes in your target area.

Amenities, nightly rates and occupancy.

Look into vacancy rates, average rental prices, and demographic trends.

You are paying ordinary income rates on the interest -no way around that.