I wanted to get back in the game again but don’t have much in reserves that most if not all HML require.

Whether you’re a mortgage broker, real estate broker, or running a private lending shop, what software and processes have been game-changers for you?

Yup, every other entity I've seen doing flat fee is just playing a pricing game, it's not based on systems and operations being set for such, there just doing marketing or riding our tailcoat.     

Depending on the market, A game room can give you a similar ROI with much less liability. 

Our actual carriers used to be Secura, but they seem to be getting out of a lot of insurance lines or pricing so high as to have customers drop off, and we just moved policies in Nov. to Hanover Insurance. 

Is there any place on this website that that focuses on investors that got in the game late.

"Getting in" is easy; making money, managing the business, with the increased financial risk of commercial properties is a whole different game. 

BUT there have been 24 late payments with the last late payment made in Nov 2024 and  0 paid on time.

I added arcade games, board games and accept pets as well.

Address Your Financial ProfileBridge the Revenue Gap: Highlight your equity in the duplex and use your sale proceeds to demonstrate “skin in the game.”Partner to Compensate Experience: A financially strong and experienced partner can help offset your limited track record.Focus on the Land Deal: Secure the land at a good price, as it’s a crucial step in gaining credibility and attracting partners.Final ThoughtsYou’re entering an exciting and impactful space in real estate development.