In retrospect, it would have been easier to refiance using private/hard money even though I would pay a little more for it. 

Long and Foster or Taylor Mueller will probably be your best bet. 

I have started working with a couple private lenders lately but it has taken me several successful projects and a few years to get there.

In some cases, especially when you work with corporations versus private tenants, you may not get payment for 45 days.NERVESAre you a worrier?

Are there any private funding sources that focus more on the deal than personal credit?

I am offered 100% financing with 50/50 split on net profit with private investor.

In short, it has a lot to do with how I wasn’t raised and me not taking responsibility over my life in that way.So I think the refi options is great and actually I found a creative way to do so through a private lender.

.- I’m not interested in anyone selling insurance - I know everyone says not to count on my pension, there is no guarantee, but if there was a measure of likelihood that a company would be able to honor their pension commitments then the conservative private company I work for would be rated the highest.- not really interested in savings advice on our 529 plan.- Nothing against Dave Ramsey, I really like most of his advice, but I think some of it is very basic and geared towards low income earners and people who have been very irresponsible with their money and are trying to dig out.- we have a about $70k to invest from our SDIRA, less if we convert a portion of that to a Roth.- we also will have about $250k to invest from the sale of our home.

I am looking for advice and/or possible leads for private money/hard money lenders that would be interested in a 1-2 year loan for a down payment of a property.

@Joseph GarnerI told them my business plan on an ideal property I was looking at, how I was going to manage/exit the deal and where my downpayment was coming from which was via private money.