There is a world of difference between private loans and a hard money lender as well as rates charged.

Conventional loan How did you add value to the deal?

You woul get signiture loans from banks for half the rate from that credit card.

Any conventional loan products for property in a flood zone (not sure what flood zone 9 is) requires flood insurance, which can be very expensive, and rates have been rising each year. 

Hi, I was wondering if anyone has been involved in originating or receiving loans from a 401k to purchase a property.

I always stayed away from Section 8 at that time and did Zero down purchase doing 80/20 loans and/or interest free loans as well. 

I am a Loan Officer in San Bernardino County, and the real estate agents I work with are always coming across solid deals here and there.

you'd use the DSCR loan to pay off the hard money loan.

I will note that some of the information on here will be different for you especially when it comes to loan products and requirements so that is something to keep in mind. 

You might have several different loan options available to you depending on your needs (acquisition + rehab).