I am looking into my first property and have been pre-approved for a renovation loan from a conventional lender.

I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

Post insolvency, the framework allows an assessment to all private insurers operating in the state to cover the difference which will subsequently pass the costs along to policy holders.

Over time, I’ve accumulated more cash reserves and don’t need as much flexibility, but I’m actually in the middle of a refinance right now using an interest-only mortgage—because the pricing with the lender and the corresponding ARM is more favorable than a comparable principal-and-interest loan.The key with these alternative or "exotic" mortgage types is that you need to be financially savvy and have a solid plan.

We used $100k of private money and the rest was personal cash.

Private is an option too, but again, a pay for service on top of the permit fees, etc.   

Just wanted to introduce myself and enjoying the Bigger Pockets site and forums.

I have access to a huge community of real estate investors, private money lenders, ect.

I know with a hard money lender, you lost good amount of profit. 

I happen to be looking for gap funders myself for a number of my house flip projects in Houston, TX and finding gap funders or any kind of private money involves a lot of networking and putting myself out there to meet potential lenders.