I'd like to start earning some "unearned income" and building wealth.

However, some investors don't mind this strategy if they prefer not to put a lot of liquid in up front and plan to refi out within a few years of closing (which seems to be a great option with the talks of the FED reducing interest rates into 2025).It really comes down to investing in a growing market, in a good neighborhood & building a great team to support you.

I've seen a lot of face-value high earning professionals be lousy to their neighbors over time, so do not pick sides.

I am hoping to roll these two into one loan and reduce my monthly payment/ interest rate on the HELOC as I will be having the debt long term.I also currently own a 11 spot RV Park which I own all 11 units and is currently generating $10,375/month in rent.

Discussing a shorter PPP or reducing it through rate adjustments is possible.

However, if your startup costs exceed $50,000, the $5,000 deduction is reduced dollar-for-dollar by the amount exceeding $50,000.

This could actually slow their earning potential and hurt them in the long run.If you want to grow, focus on making and saving money.

I know the house needs alot of work, so I was hoping to make a rehab budget and then develop a rehab cost number which I will use to develop a bid to see if I can get the house at a reduced price since it needs work.

Hard money loans are loans based on (mostly) the value of the asset, eliminating or reducing the other criteria used for most mortgage loans of borrower credit, financial condition, and sometimes even cash flow of subject property.  

Maybe a work-around could be showing "bank statements" that go back 2 years that corroborate your 1099 earnings?