I would like to borrow 45k on a 15 year mortgage to buy and repair home.

I got a few referrals and vetted with a turnkey prop provider and local rehabber, then had phone conversations with the top choice (A1), liked what I heard. 

Looked up the borrower on Pacer and found they filed Chapter 11 in 2012. 

@Adam Klugh  OK I have been a HML in my days .. and I did loan in Detroit in the early 2000s and got out before the melt down.that said. here is what I see on BP all the time.this OP who says 6 to 7 % money that TOTAL BS there is no 6 to 7% HML's BANK loans to a very established borrower who can show years of track record lots of money in their bank and I don't mean 20k . 

Provide me some details offline and I will either walk you through the process or take the lead, you choice.

CMHC-insured financing can help open the doors to homeownership by enabling homebuyers to purchase a home with a minimum down payment starting at 5%*.Features Loan-to-value ratios up to 95% for 1 – 2 unit owner-occupied properties.Loan-to-value ratios up to 90% for 3 – 4 unit owner-occupied properties.Down payment flexibility — In addition to traditional sources, non-traditional sources of down payment are permitted for loans with loan-to-value ratios from 90.01% – 95%.Flexible financing options — single advance and progress advances are available.CMHC-insured mortgages are portable — helping to reduce or eliminate the premium on the purchase of a subsequent home.CMHC homeowner mortgage loan insurance is available to a maximum of one property (1 – 4 units) per borrower/co-borrower at any given time.CMHC offers mortgage loan insurance premium refunds for homeowners who purchase an energy-efficient home or purchase and make energy-saving renovations to an existing home.

The CFPB initiated the 3-day rule specifically so that borrowers would have a chance to find, and correct, errors before closing, as well as find out about changes to the terms of the loan.

If youuse the proceeds of a loan for more than onetype of expense, you must allocate the interestbased on the use of the loan's proceeds.To keep accounting, bookkeeping, and taxes as tidy & simple as possible, we want to keep the borrowed funds associated with the property, keeping funds segregated if possible, being conscience of IRS tracing rules.I hope that helps.

Although i have not yet borrowed money from any of them, I'd be happy to pass along the list if you would like to contact them yourself to see what rates/terms they offer.  

If i can get a directory or a list of private lenders websites for both borrowers and investors.