Are there specific rules around raising the 20% down payment that most banks require?

What if you need to exit early due to lack of performance, personal issues, etc.?

I have the capital to purchase the land I'm now just saving up extra so I have cushion encase something were to happen during construction or an issue arises with my multi-family.

Are you referring to private money specifically as like an individual person investor or also including real lending companies like Hard Money Lenders / Private Lenders? 

Liability issues and cost to maintain are big ones.

-Using the city water bill, it's an issue at move-in and move-out to prorate usage since the tenancy won't line up with the billing periods.

Specifically, as it relates to multifamily, in Hypersupply you start to become liquid.

They can keep an eye on things and handle issues that come up quickly.Hope this helps!

My current hard money interest-only loan ends in May 2025.To bridge the gap until refinancing, I am considering a short-term private loan (non-hard money or traditional due to the title issue) to satisfy the current debt.

The issue with the downtown areas right now is mostly an inventory problem, actually: there are very few good, cashflowing options on the market.