Thanks  Let me give you a hint.If I were a ... lets say a SEO guy trying to find clients for my SEO services..

These classes they offer are cheaper per say as they're sold on an individual basis.

It was more expensive then say a VA or canned product, but that is what I was comfortable with.

In gereral I would say a safe place to think about starting with an interest rate is half way between what they would make on a CD and what a bank would charge you for the loan.

I would say as little as possible.

let’s say a person has little experience or financials.

When you say a 'gut renovation', you mean that the house was taken down to the studs - inside and out - right?

I am waiting to see what they say.  A

Lets say a property that I need to put 20-30k into it.

I think what you're saying is that with a partner your interest is accelerated at a faster pace, the velocity of money thinking, in a perfect world that may be, in reality, you're dealing with partners, I assume you don't have all the say as to what to buy, hold, manage, tenant selection, use of funds, etc.