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I suggest going with hard money since that product is more made for rehabs than an institutional bank.

🌎Based in Suwanee, GA (Just north of Atlanta near Alpharetta), and planning to invest in Forsyth County, GA and in Lake Junaluska, NC (30 min outside of Asheville, NC) 💫 I plan to buy either a STR, a BRRR, or flip a nearby property in my zip code to learn more, and find out if this is right for me🏠 First got interested when a very successful colleague and Product Manager at a startup in LA left that world to get involved in STR in Joshua Tree, CA.

If you truly feel it is priced well and there are no property defects, then you shouldn't have no hits.

This method has gained popularity among developers looking to build affordable housing quickly and sustainably.Additionally, developers have diversified their portfolios by introducing new product types such as townhomes, duplexes, and triplexes.

There are a few apparently that are considering opening up their product offerings to include HELOCs on investment properties.  

Ultimately, if you have to pay for the card production, do you save any money?

Its situational, and thus unclear, but a general rule of thumb is any activities integral to the income production activity of the real estate are considered valid time.

I want to know if anyone has had any experience using the PiN local software and how they viewed this product.

I use Cit Bank 5% APYhttps://www.cit.com/cit-bank/resources/products-and-rates