private money lender in nj

[Fernando Asencio]

my debt to ratio is a problem with all banks..   anyone know how to go about purchase a single family other than family friends and banks? as ive been rejected because of debts being to high and income cant cover.

if its hard money lenders..whats the best points or rate %. ?

I own 2 houses and want to get a 3rd but not use much of my money. 

Thank you.