New to financing need advice

[Manuel Garcia]

Hi guys, I’ve been a landlord for the past two years by trade I am a general contractor (I own my business) 

I currently have two rentals including my personal home which I paid CASH for. After doing some math I’ve concluded that leveraging OPM is best vs using all my cash. I’m always looking for properties I can immediately rent or rehab and rent. How can I get started ? I’d like to talk to some lenders who can help expand my business. Any advice is greatly appreciated 

[Sanat Bhandari]

@Manuel Garcia I agree with @Jonathan Greene and @Manny Vasquez

I'd recommend starting out with your local credit unions and banks. Generally, they have the lowest rates and can be a little more flexible than some of the bigger lenders. I personally have gotten terms on commercial notes from credit unions/local banks that have beaten broker pricing (including my own) 

Brokers can be more creative than banks on financing depending on the situation but you're paying for that service, whether that be on front-end or back-end. Talk to everyone and see who can help you the best in your situation