Feeling a bit stuck

Financing, Hard Money Lenders, Private Money
1

:argue
I live in WA, a relatively unaffected state by this recession and housing crisis and I talk to mortgage brokers and I hear one thing: conventional loans are only available, not a lot of “creative financing”–too risky.

I talk to investors and they say that creative finance is the only way to go.

A bit confused. What’s Really going on with lending?

2

The brokers are probably not experienced in investment financing and the investors aren’t using conventional financing (either because they cant qualify or their business model doesnt require it)