fun comps and see if cashflows. if need help on financing, more than happy to discuss your options

If they are putting the property in major outlets including WSJ, NYT and sharing the property all over then sometimes its better to pay an extra point, but the 6% is for both buyer and seller.

I can certainly tell you in SoCal if you had a single family home with an ADU that generates an extra $2k per month in income, end-user buyers will not be thinking "I'd pay an extra $20k for that." 

I’m a DIYer who is really needing an extra set of hands for most things.

I have bank of America and Penfed as options.

Private notes require more work than Stocks / Bonds, is the added return worth the extra work?

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

You could also explore HELOANs instead of HELOCs or consider a second mortgage option if refinancing isn’t ideal.If you need lender recommendations or help finding the best option, DM me and I’ll point you in the right direction!

I am mostly thinking about getting my license one to access Off market properties and two to start working as a real state agent to make extra income to invest.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!