Wondering if anyone can provide some insightSo your done rehabbing your deal and ready to refinance lets just say, you owe your private money lender 140k thats purchase, rehab and interest the house appraises for 200k.  

You can also do a private money loan, hard money loan, HELOC on your primary residence. 

My first employees, my new partners, my new JV partners, and eventually taking on private money investors (Oh NO!

You can work with whomever you want to of course...but lots of other lenders just need $1 of income - meaning a 1.00 ratio.  

I am at my wits end.I have a private mortgage through the seller that I planned to refinance.

A great local lender that specializes in VA Guarantee loans will be helpful too.

A higher credit score can help you qualify for better loan terms.Debt-to-Income Ratio: Lenders often look at your debt-to-income ratio.

I was a mortgage lender for many years, and developed a passion for real estate.

I even created my first LLC to start the fix and flip business, funding it with enough skin in the game, elsewhere hoping to use OPM rather than my own capital to fund these projects as it has been difficult finding a lender who is comfortable with loaning to me solely without an LLC.My goal has always been to match my W2 income and eventually double it and more so I can work as a hobby rather than relying on it to live.

it too late now but never start a project like that without funding in place.. good luck. on it private HML is what you will end up with.