And yes, we did get the sail boat and raised our family on it for 10 years. 

Then you can raise prices, above your original Deal analysis.

If you can’t raise the capital yourself you could always look into second lien position lenders for the rehab costs.

I am starting a new rehab and was considering applying for a Home Depot commerical credit card.

You slow demand with higher interest rates, which makes houses less affordable due to higher interest payments.You raise demand with lower interest rates, or “rate cuts”.That part of the quoted post makes no sense, hence there is no “conspiracy”.

So for a $500k investment you would look to raise $250-$300k and get bank money for rest but your overhead will be too high.

I am planning on raising rent April 2025 when the 5 year lease expires.

Down payment funds just can't be from a unsecured loan (personal loan/credit card).

Consider 401k loans and 0% interest for a year credit card loans too.

It still hasn't sold and it appears they raised the price $5k.