So, now, you only have 20% equity in the fund that is lending to the borrower that is 120% LTV, and you make money hand over fist.  30% is CONSERVATIVE.  

You might even think about bumping that up a bit if it would help you sleep better at night.Another thing to consider is leveraging your extra income from your sales job.

I've looked at like 500 plots of land and made about 40 LOIs, most of what we targeted was land owner contributed to the development and underpriced land identification that we can get at least a 5x value bump on entitlement. the numbers are much higher in columbus where the downtown district in 43215 isn't bought out like Brickell or Edgewater. we can justify any land cost by just going more vertical. columbus is untapped with less than 1000 units proposed per year it's unbelievably open with 50,000 units behind and very high absorption. 

And also noticed today my escrow (by way of tax bump), has increased nearly $2k.

Interference = pay attention to the financial instruments markets, when those guys/gals get giddy about making money hand over fist, they're screwing people over and a crash is coming.

Maybe this comment will bump your question.

Figure I would bump this thread in case any fellow BPers are gonna be at Tulum on Thursday and/or Chichen Itza on Friday and want to meet up

Sometimes 5-10% is safe but if it’s your first deal you want to bump that up more unless you have cushion in your numbers or in your own bank account.

Many people were making money hand over fist from low interest rates, strong stock prices, hugely appreciating real estate (both LP, GP and housing prices).  

I charge the pet fee and also bumped up my nightly base rate.