My work is so time consuming I'll probably hit up a couple meetups in my area and really keep my radar up of there is indeed something or some niche here.

After licensing and usury, consumer purpose and business purpose, under which owner occupancy falls, are probably the most misunderstood topics in private lending.

I am moving to Oahu with my girlfriend and we want to take this opportunity to transition from renters to homeowners and from consumers to investors where through house hacking we would end each month cashflow positive.

Most of our business is non-203K renovation loans...both for consumers to occupy and for investors. 

STR is either a) too time consuming to run yourself or b) you lose too much $$ for a PM company.I'd just sell and dump the money into REITs or whatever your Financial Advisor says is good.Good for you for helping them out!

I bought it for $170K and 2.5 years later its worth $185K.Is it better to keep the rental (as part of my retirement planning) as a long- term investment or should I sell, pay off all consumer debt ($67K) and put the left over cash in IRA, 401K, HYSA?

But, there are also some great operators out there, who happen to raise money for their deals from outside LPs.I do think we have witnessed/are witnessing a lot of investors that will forever be turned off of syndications.  

Then pay back taxes, fix it up and rent it for ever.

If investors avoid these and they are never bought from the state, are they destined just sit in limbo forever?

As a result they’re forever attending seminars, workshops, classes provided by various real estate organizations; they’ve read every book ever written about real estate twice; they believe that they could be worth $1 billion now if only they had chosen real estate as their college major instead of medieval literature; but soon as they study for their real estate license in all 50 states they’ll be ready to begin.The Guru Junkie – I met this person while I was the designated provider of financing for a guru – back about 30 years ago.