.• I offer a full range of conventional, DSCR, investor cash flow, bank statement, and portfolio multifamily loans.• Yes, I can communicate directly with listing agents to help strengthen your offer and show that financing is solid.• The money I lend comes from reputable wholesale lenders and banks I’m approved with — all underwritten through standard agency or investor guidelines.• For down payment assistance, those are generally limited to owner-occupied deals — happy to run through what’s available if you plan to live in one of the units.• To start, I’d just need some basic info about your goals, income, credit, and property type — we can figure out the best fit from there.• Pre-approvals usually take 24 hours or less once I have the necessary info.• Yes, I have rate lock programs available through several of my lenders.• I can absolutely share references and reviews from clients, including some who are active here on BiggerPockets.• And yes, I regularly connect clients with investor-friendly agents, property managers, and insurance pros in the area.If you’d like, we can set up a quick call or Zoom to talk through what you’re looking for and get you pre-approved.– David Stephens

If refinancing is tricky with your current bank, you might explore portfolio or private lenders who consider your full track record and rehabs, or a cash-out refi elsewhere to free up funds for the next project.

Banks also won’t loan less than 50k on a home loan period.

You’re right—traditional loans are tough when you’re newly self-employed, so DSCR and bank statement loans can definitely be good options to look into since they focus more on property income or cash flow instead of your personal income history.

Hey BP community,With banks tightening their criteria and private credit assets continuing to grow, I’ve been digging into how private money lending is evolving — especially in our real-estate investing space.

Are they independently wealthy and never intend to have a job or a bank account or pay taxes or apply for benefits?

The first was for a 10% down payment, 20% seller financing and 70% bank financing with decent terms and a 60 month balloon on the seller financing portion.

~ What is available outside of traditional banks? 

You are following the big banks model but doing it more carefully and lending to borrowers who can't go to the bank. 

It sounds like the bank is operating as the successor trustee.