I have a quick clarification question regarding hard money loans for fix and flips.

My goals with the money will be to retire early, travel (I am a Flight Attendant), pay off my parents mortgage, give back to those in need, save money, and be able to do the things I want to do without the burden of constantly worrying about money. 

Don't forget, if you have owned a commercial property for a long time and have put a lot of money into it over the years, you may be able to expense many of those "improvements" with the Tangible Property Regulations (TPRs) of 2014.

We renovated property doing all the work ourselves so I'm not sure if we can factor in our labor into the money we put into the property, not just materials?

Rachel left her engineering job to broker full time too.I'm happy to help you gain some confidence evaluating properties (whether it's BRRR, ADU conversion, or DADU development) and build your team (contractors, conventional lenders, hard money lenders, etc.).

The risk here is what if I can't pull my money back out and don't get to cash out refi the amount I want.

I know we've all heard about wholesaling and how it can make you money and help get things started when you have little to no capital, so ideally I would like to learn to wholesale to start out then flipping and buy and hold etc.

Tired of landlording or looking to reposition the money or something else?

The money making part though is the previous owners had built a detached studio that was mostly finished.

The RAFT money would better utilized in a case of emergency.