I mentioned using hard money ($300k), private (100k), acquisition fees, wholesale fees and close to $200k in refi funds.

You don't want people peeking over their shoulder seeing someone's personal private information for example.

Hey @Isadore Nelson - I'd bet my life savings on the fact that there's multiple reasons why other investors haven't scooped this up yet. 

I’m hoping to establish a reliable stream of unearned income through real estate investments, but I’m new to the field and looking for guidance.I have around $35,000 saved (excluding stock investments) and would love to connect with someone who can help me navigate this world.

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

I agree with @Michael Smythe to consider the time to save vs the appreciation. 

It’s also a great strategy for consolidating debt or accessing additional capital for growth.However, be mindful of potential prepayment penalties and how they weigh against long-term savings.

Maybe some GPs can intimidate their own LPs in private.

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@Joshua Morency I started out by househacking a 3 bedroom rental allowing me to basically live rent free for a few years while I saved up enough money to buy a condo.