Lived in dumps that I fixed up and sold or rented while working 50+ hours a week at my day job. 

Sold it, setting a new price record for the street at the time.

I’m an ex realtor who also has some experience working for a private equity group for a short time before I got a really good gig in a completely unrelated industry that will allow me to have options when investing.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

Quote from @David Sotomayor: Im getting into fix and flip real estate and working with a private lender who requires a higher credit score than mine to qualify.

I have the private money lined up for the 25% down payment.

What is the current interest rate on a private money loan approximately $300Kthanks 

I've learned a lot since then have become a private money lender and have done a lot of deals.

I found my laundromat on BizBuySell, and I sold it through that site as well.I still absolutely think it’s worth networking with business brokers and doing direct outreach to business owners, but you don’t need to take listing sites off the table.If you’re sending out a lot of outreach messages on listing sites and you’re not hearing anything back, it may have more to do with you than the platform.

I do private lending in a self directed IRA with Equity Trust Company as my custodian.