Becoming some type of equity partner may mean that you have to be a little bit more active then just lending the money.

Buying under your personal name for the first time gives you access to some low down-payment lending programs like FHA or Home Possible, assuming you're willing to owner-occupy.

I do not have anyone within my immediate circle that could lend me money for real estate and after joining a lot of groups on Facebook and looking around, it seems like most "private money lenders" on there are scams.

Hi @Aries Li, Conventional lenders do have non-QM products that lend out to companies as long as it meets their criteria.

Not sure what your cash flow ROI would be as I don’t know your lending rates/terms.

You might just have an inexperienced loan officer (I've run into many of them) or a lending firm who has tighter policies. 

Unlike traditional lending there are NO rules, regulations, laws, licenses or governing bodies to hold Private Money Lenders accountable to.

The problem I'm having is the lender I'm working with is unwilling to lend to an LLC that is owned by another LLC (i.e. a Wyoming holding company).

I'm particularly interested in the financing as I recently closed on a duplex but I had saved up the downpayment and rehab costs, and I'm interested in doing a BRRRR in 2022 with private lending/hard money.

So, yes, it is fishy, but not uncommon.Why not take this opportunity to switch your banking to a local institution?