My mom is a lender in the same town, and she encouraged me to do this for multiple reasons.

Are you encouraged by that?

Most Cities don't encourage them, so zoning would be an issue.Imagine having 50 lots to fill?

And at the core of all this, be encouraged if you are going down the path of real estate, or if you haven’t bought your first property, jump on in!

It is in an area that zoning works out (currently mixed use commercial + primary residence SFH) and is 'up and coming' by encouraging density.

I encourage you to attend these if you’re wanting to get started out.

I appreciate everyone that took the time to give me their advice and encouragement.

Our demand letter adds that we will send the originals once we receive full payment.NEVER SEND ORIGINAL LOAN DOCUMENTS TO ESCROW UNTIL YOU HAVE BEEN PAID OFF IN FULL.Some title and escrow companies are not used to dealing with private lenders and will occasionally hem and haw, but this is legal (and encouraged by my lawyer).

So of course do business with who you decide to do business with, but if someone hasn't had the experience like you have had I encourage them to come to their own conclusion.

W2 just seems to be a naughty word on BP, but I'm not sold yet that a solid W2 job isn't a route that should be encouraged to those wanting to build a foundation for a RE business as a full time investor.