I am planning two ADU's at two separate properties, I'll trade a large yard for additional income all day long.

., leaving it primarily to the platform's messaging system or texts has worked out so far, reserving direct phone contact for requests or emergencies (which saves time).

My top priority is having maximum flexibility with what I can invest in within my HSA, second priority is ease of use and convenience of the investing platform, third is minimizing any account, trading, or management fees charged by the HSA provider. 

Hard money lenders are often more willing to take on higher-risk projects and offer faster closings, but the trade-off can be higher interest rates and shorter terms.

Hang on to the rest for emergencies.  

By trade I have been in occupational therapy for 10 years, but am willing to take a pay cut to really focus on what will make me the most successful investor I can be.

The PM had a plumber go to the house, incurring an after-hours emergency fee, but was unable to assess the exact cause of the issue at night, stating it's either a frozen pipe or pump issue and they need to return during the daytime to fully address.

The HELOC would act as en emergency way to tap into their equity if needed - as long as they don't spend it unwisely!

The entire teachings had gone from Nickersons conservative but a cash flowing small residential property, hopefully for 10 -15% below market, do immediate repairs, then slowly over time improve the property and raise rents, either refi cash out or trade tax free for a larger property.

Prepare financially by saving for down payments, improving your credit score, and setting aside emergency reserves.