Loan amount is essentially unchanged since the loan is just under 2 years old.I thought the lending process was absolutely obnoxious last time around so I was wondering if anyone had any good referrals or recommendations.

This isn't a recommendation or a vouch, this is just my opinion.

However if someone reads this bigger pockets thread entirely and sees the benefits after seeking their own knowledge through the many books recommended on bigger pockets.

Are there any good resources that you recommend?

As you mention, if you are using hard money yes you are paying more in interest and if you hvae the cash I would recommend using cash over hard money due to the high interest rate that you are paying.

Hi All,Does anyone have a good PM company they've used or are using in or around OC that you would recommend?

If so, could anyone please recommend a collection agency? 

After assembling a lot of bed frames, I prefer the Zinus brand, and I would recommend contract grade furniture.Don't forget to sign up for pest control and both a renter's and landlord policy on your insurance.Hi Miguel - I’m also looking at the midtown  Sacramento area for multifamily…what is “contract grade” furniture please ?

For those who have more experience investing - what would you recommend I do here? 

Any recommendations or advice would be great!