They're considered riskier since Fannie won't buy them but they are still legal. that makes sense.. after all I am usually the only private lender in the mortgage CE the rest are all doing fannie freedie usda VA stuff ..thanks for clarifying.. 

@Greg Davis try private bank of Decatur or some of the local credit unions.

For a quick example if a HML provides 75% of the loan for my deal do i have to provide the remaining 25% with private lending or my own cash?

It is in a small 8-unit community that consists of three buildings:  2 duplex-style buildings on the left and right, and an L-shaped 4-plex in the middle.After purchasing, I asked for and received the past 7 years of HOA documents (as this is the right of all property owners according to bylaws). 

They can't compete with private investors especially those who do their own work. 

Anybody ever use the private lenders, cash buyers list from MyHouseDeals.com?

As I'm learning, I'm happy to lend my experience in underwriting private money and corporate real estate management and dispositions where I can and where it makes sense. 

@Krishna Chava it would be great to get the tech you are using via private message as well.

Do your tenants plan to have WWE style fights at the duplex?

And it's not in the city proper, it's near the Eastern waterfront with access to private airports, marinas, and a golf course.