At the time i didn't qualify for financing.

Third property was through owner-financing that we will pay off in six months using the combined rental income of all three properties.Our goal is to become a self-funding investment company, where the rental income pays for all new properties.

We're also open to exploring creative financing techniques to "be the bank" for extra income.

One important piece to understand is that investing breaks down into Time, Money, and Skills.First purchase: 50/50 partnership.Second: 0% Down Seller Financing.Third: 15k down seller financing.Fourth: 50/50 partnership my partner brought all of the capital and I manage the community.Fifth: 0% down seller financing utilizing cross-collateralization of another property (A SFH that I owned outright)Sixth: 0% down seller financing utilizing cross-collateralization of another property (A SFH that he was okay with being in second position on)Seven: Seller Financing 300k down (I bought this in my fund and raised capital through that vehicle), 0% interest loan for 3.5 years.Eight: Seller Financing 53k down (I bought this in my fund and raised capital through that vehicle), 4% interest loan for 6.5 years.The biggest takeaway I want a reader to get is that there are a lot of different ways to make a deal work. 

Does anyone have suggestions for lenders who don't require like 5 builds in the last 12 months in order to finance?

For an investment property, standard financing usually requires a 20% down payment.

And if you have any financing questions I'd be happy to help.

I am looking at duplexes that would require that much down for just conventional financing.

The leverage possible with SBA financing should help increase the buyer pool and exposure.

We are able to assist with DSCR financing with a minimum value of $75k and loan amount of $50k.Let us know if we can help complete this refinance for you so you can continue growing your portfolio!