Most of our business is non-203K renovation loans...both for consumers to occupy and for investors. 

I am moving to Oahu with my girlfriend and we want to take this opportunity to transition from renters to homeowners and from consumers to investors where through house hacking we would end each month cashflow positive.

After licensing and usury, consumer purpose and business purpose, under which owner occupancy falls, are probably the most misunderstood topics in private lending.

STR is either a) too time consuming to run yourself or b) you lose too much $$ for a PM company.I'd just sell and dump the money into REITs or whatever your Financial Advisor says is good.Good for you for helping them out!

I bought it for $170K and 2.5 years later its worth $185K.Is it better to keep the rental (as part of my retirement planning) as a long- term investment or should I sell, pay off all consumer debt ($67K) and put the left over cash in IRA, 401K, HYSA?

@Partap A.The primary law that governs how institutions can use or share personal information about consumers is the Gramm-Leach-Bliley Act of 1999.

So much for an LLC protection.Here who is being sued:Federal Trade Commission, andUtah Division of Consumer Protection,Plaintiffs,v.Nudge, LLC, a Utah limited liability company; Response Marketing Group, LLC, a Utah limited liability company, also doing business as, 3 Day Real Estate Training, Abundance Edu, LLC, Affluence Edu, LLC, American Money Tour, Cash Flow EDU, Clark EDU, LLC, Edge 2 Real Estate, Evtech Media North, Flip for Life, Flipping For Life, Income Events, Insider’s Financial Education, LLC, Leading Financial Education, LLC, Onwealth, Power Flip, Prosper Live, Property Education, LLC, Renovate To Rent, Simple Real Estate Training, Smart Flip, Snap Flip, US Education Advance, Vintage Flip, Visionary Events, Wealth Tribe, Women’s Empowerment, Yancey Events, Yancey, LLC, and Your Real Estate Today, a Utah limited liability company; BuyPD, LLC, a Utah limited liability company; Brandon B.

American Home Sheild in my experience is a complete rip off to the consumers.

This negative position can consume years of cash flow to recover.

There is so much content out there you could spend your whole life consuming content and never acting.