I'm currently pre-approved but my lender gave me a "mid-level rate" which I believe isn't my actual rate since I haven't chosen a property but me not being as educated on the behalf and thinking it was my actual rate I decided to rate shop a bit.

Trying to get a split level (not a lot of sqft) on the market in the next three weeks and trying to decide on whether to open the wall between the dining and living room for a feel of openness or leave it as I have heard from two interior designers that the open concept is on the way out as we are more at home and liking our separate areas in the home.Pragmatically speaking the opening of the wall will be mostly a time drain with it being a load bearing wall and having to support the ceiling while rebuilding and all the drywalling necessary.

Pro Tip: Structure It Like a BusinessTo avoid legal headaches, consider:✔ Creating an investor questionnaire to document interest levels.✔ Using a PPM (Private Placement Memorandum) if pooling funds for multiple deals.✔ Consulting a securities attorney for compliance if raising funds regularly.

Sounds like you’re executing at a high level—keep crushing it!

I have been able to take my real estate portfolio to a level in which i really didn't think possible and educate myself on so many things not only in real estate but in creating wealth throughout the power of networking with others that have experience and proven track records in other types of businesses.

In the same since, travel has began normalizing back to 2019 levels.

Files can be shared in the cloud with bank level encryption.

Lenders assume more risk with a higher loan-to-value, so to compensate they'll charge more in points, loan level price adjustments, etc. 

Personally knowing the founder of BP, Josh Dorkin and the current CEO, Scott Trench, I can tell you that their intent in starting and growing the bigger pockets community is to encourage investors of all experience levels to share their experience and network with like minded individuals. 

RevMax, Beyond Pricing, etc are more for enterprise level.