A lot of investors like to go direct in hopes of getting better fees/rates, it may work for a few that are very deep into the lending space, but majority of investors do not have the time to keep up with changing guidelines, loan structures, and making sure the lender is trustworthy.

If you think about AirBnB, it essentially acts as an escrow - a guest may book months in advanced and pay at booking, but the funds are not released to you until after check in.I would love landlords perspective from this community on if you would be open to using a trustworthy third party tool that offered this same service (ie. tenants pay whatever your deposit is to this escrow account, then 24 hours after check in it is sent to you).

Given they want to cater to lower income tenants, I would be interested in their collection rates, which I bet aren’t great.

AS HML sizes grew so large and private investors were funding them it was hard to get one lender to put in 500k but easy to find 10 that would do 50k each.The fractional space has come a long way and a Good Broker is needed to place these for you.Good Broker good first positions are  a pretty safe bet..

Working with a wholesaler will likely be your best bet, but be ready to waive many of your contingencies to get the deal done. 

I would be willing to bet a very small percentage of people on BP majored in specific degrees.

If your goal is to retire your fiance, your best bet is to increase your W2 income and lower your expenses.

I think Charleston is also a good bet, with St.

Your best bet would be to go to a bank and see what type of personal loan you can get.

Here are some considerations for each option:Option 1: Using the HELOC for a down payment and renovation on a second property to rent:Pros:You can leverage your existing property to acquire another investment property without selling your current home.Rental properties can provide a steady income stream and potential long-term appreciation.You can use the HELOC funds for renovation, which can increase the property value and rental income.Cons:You'll have to manage the property yourself or hire a property manager, which can be time-consuming and add to your expenses.There is a risk of vacancies or unexpected maintenance costs, which could impact your cash flow.You'll have to pay back the HELOC, which will increase your monthly expenses.Option 2: Building a new house in a new community and selling it for a profit:Pros:You can potentially make a significant profit if the market is favorable and the property value increases during the construction period.Building a new house allows you to customize the property and potentially attract more buyers or higher rents.Cons:This strategy involves a higher level of risk, as you're betting on the market to appreciate in a relatively short period.There are many unknowns and potential delays in the construction process, which could impact your timeline and profitability.You'll need to have a good understanding of the local real estate market and construction costs to ensure that your project is profitable.Before choosing either of these strategies, consider the following:Research the local market conditions in Chandler, Arizona, to understand the current demand for rental properties and new construction homes.Consult with a real estate agent or investment advisor who has experience in the local market to get their insights on the best strategy for your situation.Evaluate your financial situation, including your income, expenses, and risk tolerance, to determine if either strategy aligns with your goals and financial capacity.Consider the tax implications of each option, as this can impact your overall profitability.Create a detailed financial plan for each option, including projected income, expenses, and potential risks, to help you make an informed decision.Ultimately, the best strategy for you will depend on your unique situation and goals.