Hello, we started an LLC got the EIN # and then the business bank account, had trouble getting institutional lending, the Important question is, what way would you recommend if you were starting out with limited capital plus in this hectic current market with rising interest rates only getting worse?

Do you work with private investors or institutional investors? 

Wondering what type of loan that would be or the institution that would finance under such conditions.

Bloomberg Wealth reports that Institutional Buyers have taken a bath in the Phoenix housing market by  "paying far more than they needed to on the way up and getting far less than they should on the way down." 

Most financial institutions have restrictions on twice moved manufactured homes.

If you're investing in super hot markets (FL, AZ, NC, TX) you'll have to make more offers to get something to work with so much institutional cash there and people buying for appreciation and getting super aggressive with their underwriting. 

The Self-Directed IRA and Solo 401k DifferencesIn order to open a solo 401k, self-employment, whether on a part-time or full-time basis, is required;To open a self-directed IRA, self-employment income is not required;In order to gain IRA checkbook control over the self-directed IRA funds, a limited liability company (IRA LLC) must be utilized;The solo 401k allows for checkbook control from the onset;The solo 401k allows for personal loan known as a solo 401k loan;It is prohibited to borrow from your IRA;The Solo 401k may be invested in life insurance;The self-directed IRA may not be invested in life insurance;The solo 401k allow for high contribution amounts (for 2018, the solo 401k contribution limit is $55,000, whereas the self-directed IRA contribution limit is $5,500);The solo 401k business owner can serve as trustee of the solo 401k;The self-directed IRA participant/owner may not serve as trustee or custodian of her IRA; instead, a trust company or bank institution is required;When distributions commence from the solo 401k a mandatory 20% of federal taxes must be withheld from each distribution and submitted electronically to the IRS by the 15th of the month following the date of each distribution;Rollovers and/or transfers from IRAs or qualified plans (e.g., former employer 401k) to a solo 401k are not reported on Form 5498, but rather on Form 5500-EZ, but only if the air market value of the solo 401k exceeds $250K as of the end of the plan year (generally 12/31);When funds are rolled over or transferred from an IRA or 401k to a self-directed IRA, the amount deposited into the self-directed IRA is reported on Form 5498 by the receiving self-directed IRA custodian by May of the year following the rollover/transfer.Rollovers (provided the 60 day rollover window is satisfied) from an IRA to a Solo 401k or self-directed IRA are reported on lines 15a and 15b of Form 1040;Pre-tax IRA contributions on reported on line 32 of Form 1040;Pre-tax solo 401k contributions are reported on line 28 of Form 1040;Roth solo 401k funds are subject to RMDs;A Roth 401k may be transferred to a Roth IRA (Note that from a planning perspective, it may be advantageous to transfer Roth Solo 401k funds to a Roth IRA before turning age 70 ½ in order to escape the Roth RMD requirement applicable to Roth 401k contributions including Roth Solo 401k contributions and earnings.)

@Jay Hinrichs Understand that while a lot of us still think of "media" as well-researched, respectable people in business suits adhering to a journalistic code of honor, the reality is that most everything you read from every source (even the biggest institutions) these days is somebody just writing what they feel and getting it up on the website. 

My partner and I are considering doing cash out refi or heloc through another bank or institution.

@William Coet Not entirely sure as Poughkeepsie is fairly new to my radar, but largely I would reckon the trio of colleges nearby: Vassar, Marist, and Culinary Institute of America.