Full Disclosure is Required for Non-Accredited InvestorsIf any non-accredited investors participate in your deal, you must provide them with detailed disclosure documents.The SEC states:“[The company] must give any non-accredited investors disclosure documents that generally contain the same type of information as provided in registered offerings.”This is where having a Private Placement Memorandum (PPM) and Subscription Agreement becomes absolutely necessary.A PPM outlines:✅ The risks of the investment✅ The structure of the deal✅ The terms and conditions✅ The use of fundsA Subscription Agreement ensures:✅ Investors acknowledge they understand the risks✅ They meet SEC requirements✅ They legally commit their capital🚨 Not providing these documents could leave you vulnerable to investor lawsuits.4.

What are the terms of the auction?

HELOC= short term useFixed (first or second) = long term use like a down payment.  

So population decline either with Celestial deportation or with a more southerly route may not be good long term for housing market?

Areas like Downtown, Summerville, and West Augusta are particularly desirable due to their proximity to amenities, universities, and employment centers.In terms of your preferred strategies, it would be helpful to know what type of lending you plan to use.

Developing strong financial and business acumen is also crucial for success as an investor, so that’s another area where you could focus your efforts if getting a license doesn’t align with your plans.I’m here as a resource—feel free to reach out if there’s anything I can do to help!

Both options have pros and cons, and the right choice depends on your lifestyle, experience, and long-term goals.

Personally, I advocate for a long-term investment strategy and would recommend investing the funds, provided you are comfortable with the expected return on investment over time.

Hi Anthony, what's your biggest priority - cashflow or long-term appreciation? 

The structure will depend on the down payment, quality of borrower, terms of note, your cash out of the note sale needs, and other factors.