Although I'am not a lending proffessional, if you would like a referral I have lender who is familiar with sub-prime and non traditional lending, he may be able to offer a solution.

I'm an equity investor so instead of credit scores and payments, I buy ownership in the project - a great alternative to a traditional hard money lender (and also how I did my first no money deal).

I built and sold 3 successful tech companies, was a CTO for two top US firms in DC as well, so let me play Devil's advocate — AppFolio and Buildium both offer reoccurring task/maintenance features for tracking such items like filters, law care, etc., however a simple operations change will fix all these issues.

This is a very specialty field served by a handful of firms from various parts of the country.Finding a provider with the right business model for your needs, and one with the expertise to help you succeed is much more important than where a firm is located.There are two business models, served by different kinds of companies.Self Directed IRA Custodians are financial institutions that provide processing services to document investments into non-traditional assets such as real estate, mortgages, etc.  

And, since they are a portfolio lender, they don't have many of the overlays (rules) that other traditional banks do. 

The same day they moved out, my property manager e-mailed me pictures of the now-vacant property, and said the bid for any "Make-Ready" items (paint, cleaning, yard, etc), would be coming soon.  

Curry cited reticence to invest in marketplace lending firms as a good example of the benefits of partnering “with traditional banking organizations,” which “may make more sense from a strategic standpoint.”

I know that I'll have to wait a little while to be able to get traditional financing.I was thinking I could do an owner occupy deal and live there for another 1-2 years (1 year to finish my lease then present my landlord with my proposal, if she accepts, live there for another year to fulfill owner-occupy terms, and be at my job long enough to get traditional financing.) 

I think on this particular lot that $2200 would still leave some room for some profit but if I went through a traditional closing, it would eat up a good chunk of the profits.

There are still plenty of accredited investors, but they're unlikely to push the rates down a ton and crowd out traditional hard money lenders.