I am in the process of looking for a property to buy at a lower price rehab with either a 203k loan or utilize the BRRRR method with a hard money Lender. I currently have the money to put down the 20-25% on a conventional loan but than I would tying up all the money I have and limit my ability to scale and invest in future opportunities. The problem that keeps coming, after speaking with 3 HMLs, ALL of them require 15% or more down with dozens of other fees,( origination fee, 3rd party closing costs, underwriting fee, inspections and appraisals, ect.) which come out to the same if not more down than on a conventional loan. I have two real estate deals under my belt which I was told would help me in the application for HM, but it hasn't. I see all over these forum and hear a lot on the podcast as well as YouTube and social media " do the BRRRR method with no money down" but in over a year of looking and 3 applications submitted no where have I seen a product that doesn't require money down. is there anyone on here who can give me some ideas or information on how to specifically find those lenders that do not require money down? is there a specific product I should be looking for or asking for?