or is it better to use a private money lender as well?

Personally, believe other people's money should be protected before my money. 

I am looking with a private money lender to partner with, now and in the future, to close the gap between bank funding and my available capital.

I’m interested in using private money to get started and continue using the BRRRR method as I love value add and I’m able to do a lot of the work myself.

Properties have to be purchased in cash the day of auction, so besides raising private money from friends and family, are there any private money lenders that will lend to me using this strategy?

I also haven't ever had a CPA who demanded money upfront.

My property manager recommends i notify the FBI but I'll be honest, I really just want my money.

Also, phoenix is great because the city is looking to kickstart free grant money for multi family properties in the next few months to renovate (up to 25k per unit), i was just on a zoom call discussing it with them before Christmas. 

If I invest that money into a rental property that breaks even, wouldn't I actually be cashflow negative $150 per month now that I'm not getting that interest from the HYSA anymore?

Hi Michael,So there's negatively, neutrally, and positively leveraged debt.You don't want negatively leveraged debt because you need to bring money to the table each month to pay for the bill.Positively leveraged debt throws off cash each month.