Start with private or hard money for the buy and rehab stage.

You are looking for private money for lower than 5.875%?

I've seen your questions and always happy to help @Barbara Johannsen, Moving from landlord to lender changes everything from liability to lifestyle.

After 15 years you could still owe $470K on a 50-year loan compared to $359K on a 30-year.What this really is:  a loophole for lenders/investors to lock you into decades of high interest. 

As a lender how is that perceived by most lenders? 

Private lenders and partners often care more about trust and a solid plan than perfect numbers.

Great question — I’ve found that private and hard money have been the most reliable lately, especially with how cautious banks have become.

If you have experience and solid credit (720+) I know private money lenders who will fund 100%/100% on purchase and rehab.

They will pay cash or use private $ to acquire and renovate.

Your reserves do.And here’s another truth: private lenders have options.