Kowal I sold a bunch of index funds in January 2025 and will have a six figure capital gain.

As a hard money lender looking to fund $10MM+ in deals in 2025, our hope is to connect with similar sized hard money lenders, ideally in different geographic area, that are looking to create a small network to bounce ideas off of, learn from, and engage with regularly.Welcome to BP, as a lender happy to connect with you and network 

we are setting up two OZ funds and would love to talk about what you've found. one is for land development and is more active the other is passive real estate ownership of extended stay. all are ground up. 

Both properties have a substantial amount of equity that’s essentially sitting idle.Would it be a good idea to tap into this equity (through a HELOC, cash-out refinance, etc.) to fund future fix-and-flip projects or purchase additional rental properties?

I have opportunity to buy a small portfolio of performing commercial notes with LTV's less than 50%.  

It is possible to get 90% of your purchase price and 100% rehab funded as a first timer in 1-4 units.  

To clarify, I didn’t invest in a “fund,” but rather purchased a note for a specific fix-and-flip project.

I've been in the real estate lending industry for over a decade, helping investors secure funding for their deals.

It is much better to have a reserve fund and add it monthly.

Same thing as Bankrate for example they use a very specific model to price those rates and scenarios like 740 Fico, 70LTV, 15 year term and the APR is never really talked about when it comes to margin and points charged.So when your fico score, LTV, loan size or DTI deviates from that very specific loan scenario then they say in all websites required by law "rates are subject to change" hint hint!