Can be with money or without hard funds. 

The money is deposited in the 1st even, if it’s a Sunday or a holiday, it can’t bounce, and it can’t be taken back. . 

Belly to Belly is the best way for private money..

I have looked into hard money loans but they are all for investors.

There needs to be more and more money circulated now that our currency is not backed by anything.

I was thinking - go ahead and sue, when discovery comes into play and they have to testify under oath (for example were they raising money properly and how were they managing money) - many will not want to answer that question while on the stand. 

Look at PM like homeowner's insurance- it seems like you are wasting money until your house burns down, they you'll be happy you "wasted" money on those premiums for years. 

Save your money for your first deal.

So you'll be putting out quite a bit of money to do that, and when you sell, you'll most likely have to convert it back.   

Knowing how much you still owe will help figure out the real cost of losing that low rate.Also, when it comes to borrowing the additional $170K, it’s key to know what kind of returns you’re expecting to make on that money.