Also, I find screening tenants pretty time consuming and it is a task I will eventually hire out.

You want the big house and the car even while carrying large amounts of consumer debt.

Here are the metrics that I would use in the five categories you cite:  - Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) - Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) - Consumer Loans: Other Consumer Loans: Automobile Loans, All Commercial Banks (CARACBW027SBOG) - Student Loans Owned and Securitized (SLOAS) - Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG)I put in links rather than images since BP tends to delete my images for some reason.

Despite holding a W-2 job and taking on a side gig, I still have $80,000 in consumer debt and a $130,000 HELOC.

Client acquisition is time consuming, competitive, and can be expensive if you don't do it right.

Because reality is most consumers in the TK space come with an assumption that one presenting as a TK company is the one who own's the property, did the reno, did/does all the things, internally, no affiliation etc etc.

And if you are looking into this just for the sake of saving the planet, 1. remember the solar industry is heavily subsidized, creating distortions in other areas, and 2. most of the solar brands manufacturing are not green at all, leaving behind a bunch of toxic byproducts + if you factor in the materials and energy consumed in the production of panels, they will never recover that during their useful lifetime. 

An MLO license and NMLS registration are required for all consumer-purpose real estate loans in every state.Of the 18 states (not 12) that require a license to make a business-purpose real estate loan, the purview of most P/HMLs, most do not require an NMLS registration.

It’s been more this month because I’m doing a lot of showings/leasing which is time consuming compared to other things I usually do.

That said, this route is likely to be time and energy consuming as well as stressful.)Just my thoughts.