Doesn't make sense from a lender's standpoint, regardless of the inventory surplus they may have.

As a newbie into RE, I have been doin some research without help. There are 2 business I want to try to get into:Wholesale or Overages surplusFrom what I hear and see RE Agents dislike/Hate wholesalers, I’ve seen aggr...

My luck would be that I put a 100 or 200k into the syndication and the next year we get a surplus of inventory in my area and that 200k would’ve bought me a nice 800k property cash flowing 30k a year .

That is usually handled through the Excess/Surplus Lines market (your agent will know what that is).  

Its this simple...If you can put your cash into an asset that is earning 6% and you can get a line of credit secured by that asset at 5%, then anything you do with that 5% money will create a surplus return on top of what original asset is earning.That's it.

What, otherwise, will be the policy in relation to dividends – to what extent is it intended to distribute / retain surplus profits?

Older homes especially fall prey to high premiums because most surplus lines companies don't want to take them on so Citizen's is the last choice for insurers which can be very costly.

I'd like to make some renovations with the hopes to raise the value as well as absorb and consolidate some of the debt that I carry currently and have a surplus from the future second loan for the second closing cost.

So I try to keep spending under $25 a day and think of the other  $25 is a surplus.

You guys should all be looking for ways to increase your current earnings so you've got a surplus of funds to use in your real estate business.