However, 5-10yrs down the line, that 1% rule may be very easily attainable.

How come no one has created a standard form for hard money lending where the terms are easily comparable across them?

I don't think I will ever fully retire but I plan to be doing less active work in the future, i.e. not focusing on writing new loans and not flipping.I am lucky that I can easily handle a down turn and be just fine if things soften even for an extended time but I still hope that doesn't happen.

Baselane gives me the ability to set up virtual credit cards easily and with no fees.

It's just my opinion from my seat.

Also, I don't know what profession you are in, but if you are good realtor, you should easily average over $100k/year.3.

If this represents a small portion of your portfolio that could be easily replace then why do it?  

With $250,000 to put down you would be able to get into one of these quite easily.

You just have to make sure to work with a realtor who can easily plug you in to their systems and network of lenders, GCs, PMs, etc.

Not the ignorant politicians that made the rules that led to this easily predictable outcome.