Hi Paul, You can use an SBA loan to purchase a self storage building as this type of asset is considered a business. 

In november of 2022, I loaned private money to them for a term of 12 months.

Many private/hard money lenders partner with passive investors to help fund their loans.   

I see you just graduated college and started your business. 

We'd like to seek a construction loan to complete the build of our new home - does anyone know if a typical real estate rental business plan would be sufficient to show potential income increase? 

Get out of Calif rental business. 

I need help with the lender documentation for doing personal mortgage finace as a private lender.

Reach out to a lender who can do Hard Money/Private Money (I can do this if you are having issues finding someone you trust).

Thanks for your reply mate,Nobody is telling the little guy not to invest.I stressed what I think is a safer way of investing.If our turnkey model allowed leverage, we would have 10xed our business since 2014.I just don't believe in the model and me saying "all cash" is definitely not benefiting my company...To your example, the investor uses $100,000 to buy 4 properties at 90% LTV and a black swan event like Covid or interest rate hike happens and 3 go vacant and 2 need major turns.Then what?

I was advised to use a business account as opposed to a personal one for this purpose.