I suppose here is a good time to ask you all, the “more expert than me-s” in the thread: on a scale of “5% return standard deviation bond market” to “15% return standard deviation stock market”, where would you put the unleveraged, post expense rental income of a well managed (aye, there’s the rub) SFH portfolio?

There are also 'mezz' lenders (typically for larger transactions) who will cover up to 90% CLTV and require you to bring the remaining equity to the deal, and additionally there is Gap Funding in the form of unsecured personal debt.The latter can potentially be the most expensive option, but allows for true 100% financing as there are no restrictions for how to use these funds, as they are unsecured, and generally obtained through personal credit, income etc (since there is no collateral for obtaining these funds).

Trying to cut my losses as the borrower got all her unsecured debts discharged through Chapter 7.

but with that said, it seems like you're assuming OP will be able to have a high performing / top performing STR (which i think we would all agree would beat unleveraged market returns.) 

It sounds like Aloha Capital is selling “shares” which are not secured by real estate and would be considered “unsecured loans.”

Both offered up to $40k, 12-14% rate which is higher but not bad for an unsecured personal loan. 

Go to Omaha and Sioux city tomorrow for inspections and client meets. 3. close new loan with my bank unsecured ( those babys can be tough to get).4. get my mind ready for 9 grandkids at the house this is the toughest one :)  Patience 5. firm up goals for 25 solidify my new clients that I have gotten in Q 4 24.

However, it seems extremely high risk as, to my knowledge, it is unsecured and only backed by a 'promise' to repay not any hard assets or relevant collateral.    

well you have your own answer there are no lenders for entitlements  there are JV partners like me for entitlements but its not at traditional lending rates of course as its all risk capital.WI funded 3 entitlement deals in 2024 in Loudan  county VA to the tune of 7 figures in cash. since my client does not own it its unsecured ..

I like to look for board orders, excessive fines for weeds/grass, stop orders, and unsecured premises.