@Sebastian AlborsIn my experience, buying a single-family home (SFH) in Asheville and house hacking with a family member like your brother can be a smart way to balance costs.

Ideally, finding a lender who offers a balance of both is key. 

The S8 portion will very likely arrive like clockwork on the 1st of the month.One strong motivation for the tenant to pay is they lose their voucher if they are evicted or leave owing you a balance.

The key is balancing protecting your business with connecting as a human being.

Detroit has one the highest rent to price ratios in the country…and we focus on the best balance of price/location within the area.Here is a picture of my portfolio if you/anyone is curious.

We have a balance of 266K on the mortgage @ 3 percent interest.

The bids I won, are down payments on property that has "small" balances under $20K but I do not see how this is legit. 

Whereas for me (at this stage of my investing career and my personal life) if a project is profitable and supports my ability to live somewhere with better cost of living and quality of life, the balance between the two can be just as valuable. 

They may have been introduced to wholesaling as a low-barrier entry into real estate and never considered licensing as a viable option.Why Getting Licensed Could Be Beneficial:Access to MLS: Licensed agents can access MLS listings, making it easier to find deals and run comps.Credibility: Being licensed can increase trust and credibility with sellers and buyers.Expanded Opportunities: As you mentioned, having a license opens up the option to list properties traditionally when wholesaling isn’t the best fit.Legal Clarity: Licensing helps clarify what you can and can’t do, reducing the risk of running into legal issues that plague unlicensed wholesalers.It’s a balancing act, but for many serious operators, getting licensed seems like a logical step to expand opportunities and ensure compliance.

If the work is not 100% complete by the end of the Escrow period, may implement a .50% (on total loan balance) extension fee that will cover an additional construction term of 60 days.