depends on the state - as some states allow a loan officer to be a 1099 employee but if you are a W2 then it probably makes it more challenging.What states are you licensed in as we may be looking for some 1099 loan officers. 

We view the risk of a 2nd and would add 3-5% higher (min) for the risk and unsecured we would not even touch, but I would put it at 2x a second.Curious to hear how others evaluate risk?

I'm just trying to evaluate all of my options.

Shouldn’t they be evaluating my current risk? 

As the foundation of real estate investment analysis, underwriting allows us to evaluate potential returns and associated risks accurately, ensuring informed and confident investment decisions.Understanding critical metrics like Net Operating Income (NOI), Capitalization Rate (Cap Rate), Debt Service Coverage Ratio (DSCR), Gross Rent Multiplier (GRM), and Cash-on-Cash Return is essential.

What sources do you recommend for evaluating properties? 

I've done some research, listened to hundreds podcasts and watched hundreds youtube videos.im trying to evaluate which is a good market (location) to invest.I'm interested in fix and flips or BRRRs. if you're not interested in partnership but are familiar with these cities, then you have valuable information to guide me in selecting for example areas to avoid when purchasing investment property. 

It is imperative to evaluate the timeline for recuperating the substantial capital investment, especially if your goal is to expand your rental portfolio efficiently.While cash flow is undoubtedly significant, it should not overshadow other crucial factors in real estate investment.

Why can't you start with some smaller residential or small multifamily commercial properties to get your feet wet, show proof of concept and possibly try to take on larger deals.Or possibly find a local syndication group and become an employee under them learning the trade and finding a mentor in the space.

I really like using Airdna to find markets and evaluate them as a starting point.