For example, many banks can no longer be competitive in the U.S. mortgage lending market, for example, due to the higher costs of doing business under new regs.

Hello David, I am Sungho Kang, an intern at a lending company.I am in a similar situation, but what I have learned is that sites such as zillow, and other public listings can be hefty in competition.What's important is to know what you want, before anything else.

I am a new intern for the Funding Warehouse, which does 100% lending on costs or 70% off ARV, whichever is cheaper. 

I am currently an intern at a lending company.

The inverse of that is bad debt with high interest rates on declining assets that cost money but give nothing back keeps from creating positive wealth over time.There are those who pay the money and those who lend the money.

I lend him the cash from my IRA.

Of course I will have a business agreement in place stating this.I want to lend the 10k on terms and would like to receive monthly payments until the complex is performing at a certain standard. 

I was wondering if I can get hard money lending even though I don't have any money available in my bank statement.

I've reached out to someone at B2R to see if they will lend in the area.  

Feel free to reach out I would love to help in anyway possible on getting your business started, lending ect.