Merely posting for education purposes based on my experience working in the self-directed IRA industry for over 15 years.

there are 12 to 15 states that require state Mortgage lender license and NMLS registration to make any loan on a 1 to 4 unit regardless if its owner occ or investor so yes many HML / PML are licensed But.The rest of the states require NO license or registration to make Non owner occ commercial purpose loans on any homes or commercial property.

The PO Box mainly won't get used but in future I plan to use the address with any tenents.   

Fix/flip and wholesaling but mainly fix and flip in SF Bay Area.

Feel free to reach out and let me know what your looking to get into or main goals. 

However I am also sort of house hacking the main house (upstairs).

I have colleagues that have gotten caught up in those mainly promises of large loans you know 10 to 100 mil.. its coming next week just need the Sultan of Burnai to sign off that kind of BS..

I invest mainly in Tampa Bay Area but will start flipping on the side from next year

Main thing here is your credit utilization rate: if you want to refi down the road, it is best to keep credit utilization as low as possible to keep your credit score up.

We won out mainly for purchasing without a loan (yes, hard money, although strong, can still go sideways in a deal).