You can do friends and family financing without being an accredited investor.  You just need an existing relationship before the investment.<p>However, 200k for the last 2 years  + an expectation for 200k next year qualifies you as an accredited investor.  (300k if married)  <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Accredited_investor" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Accredited_investor</a>