Bank or Private Lender?

[Ron Fletcher]

I currently own several properties and getting ready the close on another this month. I have a great relationship with my bank. They do require 30% down on each deal and charge 5.25% interest. Upside is there is no issues getting approved. I've been with them for ten years. They don't even pull credit report anymore. Ultimately I would love lower down payments and lower interest to ramp up my business. Would private money be a better deal? And will credit get pulled for every transaction? I have excellent credit and want to minimize inquiries to keep it that way. Thoughts?