Has anyone borrowed from David Williams? 

If you can borrow it for 4, 5 or 6%, as long as your rate of return is greater than your interest rate... you win!

Using a 3rd party that is paid directly by the borrower does seem to have its advantages so far.

I'd love a feature on the BP calc to include a borrowed down payment or an option to add a second mortgage.

One being a HELOC with its variable rate for anything borrowed, but very minimal fees until I choose to use money. 

Assume you buy a house for 60,000 dollars, then rehabbed for 40,000 dollars all borrowed from a hard money lender and for an ARV of 120,000.

List price: 1.9MRental income: 114k/annual Taxes: 25k/annual Expenses: 37k/annual Mortgage with 1.5 borrowed (3.75% APR): 84k/annualCap: 3.75%NOI: $70,500Please let me know your thoughts or questions.

You don't want to spend monthly payments on borrowed money that isn't giving you any return. 

If it were just a straight up investment I don’t know if it would be profitable.So here it is:3 bedroom, 2 baths$84,000 20% down plus closing cost My mortgage with taxes & insurance will be about $520I am borrowing the money for the down payment from my 401k.

If he is doing mortgages at 6-8% and people are accepting them it could very well be that they are subprime borrowers.