Congrats on growing your portfolio so quickly—that’s amazing progress in just a couple of years!

I opened up a couple credit cards under my LLC (Amex blue and Chase ink) with 0% interest for 12-18 months.

Couple buddies of mine from the Bay Area ended up investing near Sacramento (better price points than the bay). 

Updated all the mechanicals, designed a brand new commercial space, and remodeled the residential apartments.

If you're getting back into the lending game for long-term hold investors, a realistic “ideal” loan might look like this:Rates: Somewhere around 6-8% interest, depending on the risk profile of the borrower and the property.LTV: 70-80% LTV is solid, especially if you're aiming for lower risk.Term: 5-10 years works for LTR investors who want stability.Fees: Reasonable origination fee (1-2%) is expected, but avoid nickel-and-diming borrowers with hidden fees.Prepayment: A soft prepayment penalty could be fair if paid off in the first couple of years, but after that, no penalties.Speed: Being able to close quickly (within a couple of weeks) would be a huge plus.In short, give investors a competitive rate, decent terms, and flexibility on prepayment, and you’re golden.

Do you need all this for a couple of rentals?

That happens in a couple ways- but your best bet is to find an investor friendly agent that will let you tap in to their network.

Quote from @James Brand: Not having issues, but since Stessa ultimately is the tool I use to manage my books it seems like a natural connection would be an accountant familiar with the tool.

You could maybe have a couple of related or satellite nitches....but you're not going to be able to be successful in ever CRE asset class. 

@Jonathan Umana    First a couple questions.