I currently have an accepted offer on my first rental property. I haven't been a licensed real estate agent for a full year ( self-employed ). Therefore, I can not qualify for bank financing or any kind of refinance. I am using a combination of my savings and hard money to pay for the property at a high-interest rate. The numbers still work at this interest rate but would cash flow much better with conventional financing. If someone in the Northern California area ( Chico, Sacramento, Redding, etc.) would be willing to co-borrow for a year or so until I can re-finance by myself, I would pay them a monthly fee until then. Everything would be done with an attorney and legally documented to protect the co-borrower. So if anyone knows anyone that wants to make some extra money by using their unused credit or someone who doesn't have a mortgage and wants to make some extra money with no money out of pocket, let me know! I would love to chat about the property's rental numbers and how much I would pay as a monthly fee to anyone who is interested! Thanks!