I am contemplating getting my Georgia Real Estate License prior to starting my house flipping business.

Sorry for not following up immediately, but I have been contemplating the question "Why should someone invest with me?"

I have kept mine modest as I have invested my capital in RE but I am contemplating upgrades and renovations.

Separate policies will better contemplate your interest. 

I am contemplating buying multi family homes in south Florida, as that is where I am from and I would have some assistance with my properties there.  

My wife and I only had but $20,000 to our name and we contemplated pulling out the $10,000 available from the credit card to throw in ( good thing we didnt ).   

In my case, the San Francisco market, I am staying with residential (though I always contemplate trying a commercial property.)

You are contemplating a business arrangement and an estoppel letter is appropriate if you can.

You should look to admitting a partner on a basis of sufficient capital contributions to "buy in", but exceptions can be allowing others to enter based on other contributions that are justified to further the business contemplated.

I've been contemplating hiring a database programmer to build something based on that concept, but I'd prefer it to be an online version.