Or unless you just have a great relationship with the lender that they will just bypass that process and give you money based on the asset. 

The $40,000 was created from money in my asset column in the form of a promissory note from the buyer.

That being said, for bridge products you may not need 20-25%.  

There are "in your backyard" banking regulations in most states that require/recommend that a certain percentage of a bank's assets be invested in local business or real estate.

The products will always speak for themselves and I aim to never stray from delivering such a high level of quality rehab. 

Not all banks are created equal when it comes to a particular asset class.

If you go with fannie or freddie multi family product, a lot of the time the lender deposits can run you $10k or more.You can negotiate a lot lower than 10% management on a deal that size. 

Other specialized asset classes there are lot's of syndicators just usually not on Bigger Pockets.

In which case, your extra money might be better deployed into getting more deals.Actually, that would be my suggestion - pay the highest interest rate (for the ones above 5%) till you bring it to the point the principal/interest ratio is substantial (like 80%/20%) and then stop - the note itself will act as asset protection.

As you stated it well, it is your asset and only you decide the rules and regulations.