One visionary comes up with the idea and creates an ingenious product, but later generations will always have the advantage of hindsight and trial-studies from which they can improve their design.It's very difficult to say where the whole space will go. 

I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Traditional banks tend to not have this product.

Anyone have any products that wlll refi these smaller loans?

Hi Vincent, There are lenders that offer a DSCR product for an applicant that hasnt owned any real estate.How is your credit?

No start-up capital, no reliance on banks, no particular expertise required (initially at least, we had still had to learn a lot along the way!).

They are products of your brain trying to protect you from danger but in reality, there isn't any danger.

After well over 1000 houses it’s proved it’s worth.BUT if you think sugar coating will work sprinkle sugar all over the conversation. certainly nicey nice communication and unabashed laughter will get you elected but it won’t buy many houses. our product is money and we best not forget that. there’s a power exchange happening in every conversation and the one who blinks first fails unless winning isn’t important.  

Quote from @Jason Hirko:Just to double check, because I know nothing about lending side, do you have any loan product for rehabbers where title insurance is not required?

There are always 2 sides to the story so it's nice to see when the service or product provider can show proof, etc...As you have seen with me first hand over the last few weeks.I've always believe in learning from mistakes and only blaming myself when $#@% hit's the fan.There is enough free content available online for everyone to study.You will only truly learn when you start doing.Thanks