The #1 way to build a pile of money?

Where do you find "local" hard money lenders?

He has been saving his money for years and has plenty of money saved but no experience with real estate investing.

I left them recently like many others have in the last 5 months and even though our money was technically an investment and a limited partner contribution, they refused to give anyone their money back even after stating numerous times they would give people their money back if they choose to leave. 

I'm not sure if that would bring in enough money but it would certainly make things easier financially speaking while you built up your real estate portfolio. 

I have only been doing this for 5 years but what I have learnt is that it takes money to make money.  

I never even would've thought of that.I think you need help with just money management. 

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

This is a self directed RRSP or TFSA account that allows you to lend your money out to people with the backing of their mortgage for a high interest rate. 1st, 2nd, 3rd mortgages, down payments, refinances, flipping or renovation money.

I've never spent money on inspections/environmental before having the property under contract.