I think that makes it feel like things have declined.

Don't you think 75/25 to the gap funds investor is a bit extreme?

I honestly think that will be the #1 delay to things.

I'm all ears and eager to learn from your experiences, hear your ideas, criticism, tell me I am crazy!

I'm building some currently (so obviously I think that works). 

If your role is critical to the project's success, aim closer to 50-50.

If you are trying to get a cash out refi, I would think the bank would want to see the correct type of insurance for the business you are running.

I think you could make a shared bath and take out one bath if you wanted to. 

I'm also thinking that if you are just getting your first credit card it may take you a year or two to build up some credit in the US to get loans.I don't think I would want to invest at all over here in the UK because I've seen first-hand how much worse it is and how "renter happy" it is over here.

I think the idea of starting fresh financially, as soon as possible, would eliminate a lot of stress.