Quote from @Brandon Lee: I’ve noticed more investors leaning on private money in today’s climate while others still prefer traditional loans.If you had to choose one for your next deal, would you go with private or traditional — and why? 

- Were the cash flow metrics tough to meet compared to traditional approvals?

I’ve held my license for over 15 years, though I only worked as a traditional realtor for 2–3 years in the middle of my career.

I know notes are kind of a niche within real estate, but I’ve found they open up some interesting opportunities compared to traditional rentals or flips.

My wife is Chinese/Indonesian and grew up in Australia. 

I don’t think a traditional bank will take it on, so I may need a hard money lender or private lender.

People go get 4 year degrees in hotel/hospitality management.There are several folks on here that have invested in very small places like 8 units or so and I could see that working more like a STR vs a traditional hotel. 

I know many buyers seek it for key advantages over traditional bank loans, including more flexible terms, a faster closing process, and more lenient qualification requirements.

Quote from @Adam Zach: Hey BP community,We’ve been scaling a rent-to-own single-family housing model across the Midwest and Southeast and have run into a wall with traditional DSCR lenders.We’ve been working with small local banks and credit unions to finance deals, but as we grow, we’re looking for more scalable lending partners.

So far, that hasn't been a problem, but I am wondering if anyone has experience dealing with this strategy and shared housing regulations.For example, in my talks with Evanston, IL, I've been told that while renting 3 or 4 rooms would fall under a traditional rental license, anything more would be treated as shared housing.