Others may have a different opinion, but outside of a seller carry back up to 90% CLTV (still require some skin in the game, unless you go true hard money) 2nd liens on real estate for purchase transactions in the manner you're seeking are very difficult to get a loan against, whether it be a secondary market lender (private equity fund, balance sheet lender, family office, etc), and usually are seeking larger transcations ($1-3MM +) in this space, and are still capped at a max 75-80% CLTV (still wanting skin in the game).# 4 usually requires more explanation as its newer to the market (DM me if interested in discussing these options further), but all 1-4 appear to be potential options for you based on the limited details. 

Risk isn't like a stock, you're not looking at beta you're looking at quality of neighborhood you're purchasing, interest rate, rental liquidity, etc. 

Usually, borrowers purchase the lot first and we usually lend to 80% of cost up to 70% of the as-completed value.

Do you do the contacting property owners yourself and then work with the investor friendly RE agent to actually purchase the property? 

Please keep us in mind whenever any of your clients are purchasing property and need funding.

Please tell us more about the financing you have lined up - is it a traditional mortgage, DSR loan, HELOC...Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location(s) to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.

Although they are not Credit Unions- I am familiar with a few local lenders who can lend based on DSCR standards with a purchase price minimum of $75k (so  ~~$56k min loan amount).

Maybe even one cash purchase and one with more debt. 

@Spencer Cuello As others mentioned, can be used if it's short term only and you have a plan to pay off before the 0% expires.Also note it's best used for the rehab portion of a deal after the purchase is complete. 

Purchase price: $560,000 Cash invested: $55,000 The strategy going in was part live-in-flip, and part ADU value add.