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A friend recently asked me for this list so I thought it would be worth posting. I spent about two years pursuing unusual properties as my first home, weird enough that I talked to more commercial lenders than residential lenders. Old schools, churches, campgrounds, etc. I was offering 10-40% down and considering interest rates ranging from 4% to 12%. Over time I had more money to put down, and pursued slightly less weird properties every few months. Here's everyone I pursued financing/lending with, most of which were just one phone call, but also including over two dozen applications (and consequent dings to my credit) and hundreds of follow-up calls. In total I probably spent at least a thousand hours on this process. In the end it was worth it, but it was still a slog.

 

Lists of lenders/brokers )

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Clarence "Sparr" Risher

February 2025

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