Rates are hovering in the mid 7s depending on your credit score.

From the public website,The BetterLife Tribe program offers everything you need to achieve real estate success:Monthly Calls with Brandon Turner and top real estate experts, providing you with insider knowledge and strategies.1-on-1 Personalized Coaching to tailor a growth plan specific to your goals and challenges.Access to the reiOS System of Success, the exact operating system Brandon used to scale Open Door Capital to over $1B in assets.World-Class Real Estate Education and Tools that equip you with the skills to dominate any market.A Thriving Network of 1,000+ Active Investors ready to support, inspire, and challenge you on your journey.Seems like a great program like many do in the marketing materials

Victor is there a way where you are not made the bad person??

The person worked for H&R Block, now works for TurboTax Live and is being honest about their skills: NOT QUALIFIED.

Awesome to see a new investor-minded person here.. do you have a favorite real estate success story already?

While I do not have an official W-2 currently, I do have a steady income, great credit, and have money saved as well from working since I was 13 years old.I relate to Ian Kay in his journey but also am very determined to make my goals/dreams a reality this year by July 2025.

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score. 

Low LTV, 30yr fixed @4.5% personal (1)• Investment condo - new const. high end purchased w/1031 (from 20yr quad) in 2019.

Since your an estimator are the materials and labor based on facts (i.e. hard costs a labor units) or a guess.Nothing personal but I wouldn't consider anything you wrote there, if I was buying I'd do my own estimate/SOW. 

IRS 590 also explains this.5) When you receive a distribution or otherwise get paid back, never take personal control of the money.