I am a student starting college at the University of South Florida in Tampa. I am looking for a house to do some remodeling work on first before I house hack it. What kind of loans/rates am I looking to get with 20% down? I don’t have 2 years of taxes and I am 18 so I don’t have much credit history which is why it would be difficult for me to get a loan through the bank. I currently know a private money lender that lends at 8% interest with 20% down. If anyone knows any lenders that would fit my situation please let me know. Thanks in advance.

Realize I'm not answering your question, believe you need to go in a different direction.

1.  Save you money to get through school.

2.  If you want to do a real estate deal, get a 4 bedroom house and get the other three to pay for it.  That's if your already renting.

3.  If you want do remodel fix/flip or Brrr, go smaller, do a Trailer.

Good luck in College and your investments.