But if you have to jump through hoops or spend a significant amount of money to put it in might not be worth it. 

That way my money can keep working for me and I have the peace of mind that I have cash available if necessary.

What I've found is that it offers too many configurations and if the user isn't aware of what the outcomes are, it can actually make them loose more money faster.

I have used owner finance and hard money mostly to build my portfolio but need some institutional refi in the future.I'm also thinking about how this affects taxes, insurance.Thanks in advance for sharing your opinions!

If you have the money set aside I would swallow the pill now.

Asking strangers how to spend your money is a fool's errand.

Then, each person with money in the deal would get an 8% preferred dividend until they get all of their money back.

It's mostly retired people or people who have no money.

Learning that the slower I move, the more money I lose.

Then they receive the money and you still keep your money and earn money on it.