I am in a similar boat...A goal I have for 2025 is to pay off a mortgage (my highest interest is 4.5% and I owe $180K on it).

Two, you'll have a much easier time obtaining a mortgage product if you have a track record of W2 income.In the meantime, continue implementing the strategies you mentioned: save religiously, build your credit, pay any existing debt owed, etc.

BUT even then, the contract is valid, it just violated Portland regulations and the owner would owe the tenant the local Relocation Fee (penalty, which is steep). 

We owe $154k on the property and the interest rate is 4.25%, the monthly mortgage is $1050 with taxes and insurance.

If you don’t pay the tax when you transfer the stock to them they’re going to owe the taxes on your gain and you haven’t really “paid them back”. 

A tenant lost his job at the same time as his wife, I met with them and found out they had family in Atlanta thay could move in with, but didn't have the money to get there.

This is only if the bank agrees to sell for less than the amount owing.

It is clear from the interview that their main skill set is raising money and they partner with other "Co-GPs" who focus on the operations. 

Some hard money lenders lend at pretty high LTVs, leaving little equity buffer to protect your principal.

After buying this house, I partnered with others to invest in a duplex in the Wichita area.At the moment, I’m living in Tennessee, and I’m weighing two options: either selling my house and using the proceeds to buy a duplex in Overland Park or Wichita with my partners, or keeping the house for another 3 years, transferring it to our LLC, and renting out the entire property to maximize its rental potential ( $1400-$1600 ) I currently owe $200k on the property with a 6.5% interest rate, and my monthly payment is between ($1,700-$1800).