Your property is the collateral. 

If your brokerage account is held at LPL , Goldman Sachs via advisors can get you low cost loans with the securities as collateral 

Fortunately the loan is in my name so she only has interest in the collateral.

That for them to consider it, they would want to order three appraisals, and then the loans would all have to be cross collateralized over the three properties, and it seemed over the top and costly way to borrow $75K.

We come across these types of notes many times in our 15 years, however you need to be patient and able to handle many issues as the collateral is often not done well. 

Loan collateralization at 65%.Without doing the actual math.  

The three most important things a lender looks at when lending to an investor are not capacity, credit, and collateral (don't get me wrong...they are important).

My background is in flips and some rentals, but this would be my first hybrid play combining buy-and-hold rentals with a land development exit.Here’s the situation:Deal Summary:•Purchase Price: $400,000•What’s Included:•2 single-family homes•20 total acres of land (17.5 acres planned for rezoning)•Location: Arkansas: growing market, near highway access, with strong potential for commercial or industrial rezoning•My Plan:•Hold both homes as long-term rentals•Rent #1: $1,350/month•Rent #2: $1,500/month•Estimated equity in each home: $60K–$75K•Rezone the 17.5 acres, clear it, and sell it for profit•Ideally recoup most of my cash while keeping the rentals and possibly creating long-term upside on the land saleMy Financial Position:•Cash Available: $120,000•Additional Asset: Separate clear land valued at $110,000 (fully paid off — potentially usable as collateral if needed)•I’m trying to structure this deal creatively so I minimize cash out of pocket and maintain liquidity for future investmentsWhat I’m Asking:1.Would you take this deal solo?

I also asked him to come up with a plan to get us 1% point lower, using other collateral or Cash equivalent (CD) deposits at his bank. 

Are there times within a real estate transaction where one might benefit from using non-collateralized personal loans for working capital or is it more of a hindrance than a beneficial tool?