I believe there's an e-book here on BP called "Real Estate Rewind" - if I remember right, it asks about 20 or so investors what they would've done differently when they started out, etc.  

Go to bookstore, you can buy it in digital or audio for only $14.99! 

I've done low double digits of these now.My advice? 

My cautionary thinking was that with technology it's not to difficult for someone to change the time stamp on digital photos.

Then look for "Letters" under "eBooks".

Many libraries now allow you to borrow many ebooks or eaudiobooks for free so you can even often read/listen to books for free .As far as the hard money interest rates , those sound like they actually might be points . 3.5 -4 Points would be on the high end today but possible some lenders are charging that much .Points is an amount you are borrowing on top of the interest rate .So if you borrowed $100,000 at 3 points that would mean $3000 in addition you’d have the interest which is often over 8% per year on hard money as others have mentioned .

It benefits the lender because otherwise they'd get single-digit ROI on Wall Street or, possibly, even lose anything from part to all of their money.I have one colleague in my local investing group who, in effect, pays his private money source 20%.

Aaron, do you mean the ebook?

My full time profession is marketing and media production (content creation, digital marketing, website design and optimization, sales funnels, etc.)My question is this:Since I have the professional chops to make a killer website, should I create my own site in lieu of the eXp provided site?

If you have a newer well kept property and your occupancy is great then maintenance can be low single digits as a percentage of revenue.