The interest rate on a HELOC or Heloan may be better than the personal loan. 

piercing the veil". 

What are you looking to achieve in the short, mid, long term?

I've written similar posts a handful of times, and there are other threads in these forums that discuss investing in Japan.  

I used my tenant income and w2 income to put towards the next phase of rehab.

I found that the land is zoned so I can't add a MH to it even though the realtor said it'd be no problem (': However I think it's still good opportunity in my location.

It’s clear that the evolving market, especially post-GFC have shaped your perspective, and you’ve outlined some valuable points about the flexibility and challenges of private lending.The flexibility in ARV and LTV is such a huge advantage, especially for investors who might not have traditional financing options.

@Brittany Myrick Welcome to the New England area!

Sorry to jump on the back of this original post but I have a follow-up question to this response.

Use search function.People have posted STR calculators on here.