Hard Money Lender for a Duplex

[George Duchatelier]

Im looking to purchase a duplex with my partners. Looking for the best rates for a long term hold. This is not a fix and flip or anything like that. Buy and hold. The duplex is listed at 75k but Im thinking we can get that lowered. Any hard money lenders in the area? I purchased 2 houses already the conventional way, so the DTI is high. I cant do a DSCR loan due to the loan amount being too low. Any other ideas?

[Robin Simon]

Quote from @Stephanie P.:

Quote from @George Duchatelier:

Im looking to purchase a duplex with my partners. Looking for the best rates for a long term hold. This is not a fix and flip or anything like that. Buy and hold. The duplex is listed at 75k but Im thinking we can get that lowered. Any hard money lenders in the area? I purchased 2 houses already the conventional way, so the DTI is high. I cant do a DSCR loan due to the loan amount being too low. Any other ideas?

Personal loans, HELOC on primary, friends and family acting as private lenders and credit cards.

 Agree with this - hard money in this situation doesn't really make sense for the lender or you, hard money is typically best only for short terms and the high rates of it probably don't add up on your end for cash flow