Hola! I speak fluent Spanish if that's easier for you. You will need to get an LLC in order to use a tax id number. The are 2 ways to do this: private funds and hard money funds. Hard Money requires a minimum of 35% down, the interest rate is high (12% to 21%), the term is short (6 months to 2 years) BUT it closes faster than private money, it is more organized in its process, there are no up front fees and there is no minimum or maximum loan amount. It is only for investment properties. Private money offers lower rates (7% to 12%), it may have minimum and maximum loan limits, usually involves up front fees, sometimes unorganized BUT allows longer terms (up to 4 years or more), allows no money down loans, more relaxed on underwriting loans. Can use for primary, secondary or investment.