Investor in Dallas/Fort Worth/Arlington area

[Justin Johnson]

Hello. I'm an investor in the DFW (Texas) area.   I've done several deals in the past; I'd like to use BiggerPockets to help me optimize and improve what I'm doing.

I've always done either cash deals or traditional financing for my rehabs and rentals. I've done 5 single-family rehabs and 3 condo rehabs (probably not going to bother with condos anymore). I'm currently holding 0 properties tho.   I'm trying to decide if I want to start using hard money, or continue with cash deals, or do part hard money/part my own money. 

I really HATE the idea of the HML interest rates, but it's possible that's just me being a cheapskate, I don't know. I have enough $ so that HML is not a requirement for my deals; I'm just trying to figure out what the optimal way would be in my situation. My capital is 100% invested in REITS and various stocks, funds, etc. So doing a RE deal with my own $ would mean cashing out of some other things that Id really rather not have to do. Hence my temptation to use HML. Comments appreciated.