I want to keep away from any short cuts , I am not looking to take large cuts from sellers (I’m a true agent at heart and looking to serve my clients) .

You need to have a heart to heart with them on your needs and plans. 

Sargassum: We saw a couple of months that sargassum arrived on the beaches, this changes every year and there is a website that monitors it. 10.

The concept of "EARN" is gone in these hearts and minds.

Not recommending or condoning anything, but find out how the max 3 nonfamilial roommates are monitored by the city and what's the penalty.

Borrower Types: The Professional - HM Lender will cut sweet-heart deals to keep these borrowers around Experienced real estate investors Regularly engage in property transactions Typically have a track record of successful projects The Newbie - Charge Higher everything as the risk is higher as no experience Novice investors or first-time borrowers Limited experience in real estate Seeking to build their investment portfolio The Deadbeat - Only lend if the deal is so SWEET, they can't lose if they take the property from the Borrower Borrowers with poor credit history or financial difficulties High-risk borrowers May struggle to secure traditional financingThe lender will do an application on the deal/borrower and some standard docs they require are:Hard Money Application / ExperiencePurchase contractARV report – COMPS – See * Redfin*Pictures of Property – most people use Dropbox to shareProof of Funds – Down / Reserves (Bank Statements)Personal identification (ID or passport)But usually if the deal is sweet enough, they will do it anyway because if the deal goes south, there is so much equity/value in the property that the HM lender can't lose.

., late Spring to early Summer 2023, we lost our Chief Financial Officer, another accountant passed away, another had a major heart attack, and our Controller son passed away and we provided an extended leave. 

They help monitor your progress and answer calls and texts swiftly. 

One thing I did note is my insurance is $3K a year lower due to the monitored fire suppression system in these larger properties versus my smaller properties that sleep 12 or less built close to the same time.As someone who has lived in Illinois twice, the politicians there don't care if people burn as long as they can tax and spend. 

The main use of the extra revenue is capital improvements; new roof, furnace, monitored fire alarm system, etc.