Both offered up to $40k, 12-14% rate which is higher but not bad for an unsecured personal loan. 

Kudos to you and Debra for making it happen—this is a great example of how collaboration and decisive action lead to success!

I was wondering if there are any recommend in-person meetups in the LA area.

There is a big difference in how those are handled  HAHA I just saw a post and commented where the person wanted to ask if they should overpay for a home because they can get is seller financing.

If the tenant fails to establish their own policy, enroll them in your renter's insurance policy and charge it back to them.

When you say "we," are you speaking about your business or your personal tax returns, or does your business flow into your personal returns because you file as a sole proprietor?  

Pairing that with relationship-building will help you uncover off-market opportunities and find local experts who can guide you.For meetups, here are a few ideas:Indianapolis Real Estate Investors Association (Indy REIA): They have a mix of virtual and in-person events and are a good starting point for networking with other investors in the Indy market.Louisville Real Estate Investors Group (REIG): A similar organization for the Louisville market, with educational and networking opportunities.Check out BiggerPockets Meetups: Many cities have local meetups organized by investors active on BiggerPockets, and they often include virtual options.Facebook Groups: Look for local investing groups like "Indianapolis Real Estate Investors" or "Louisville REI."

I think the 10-14% rate is where it will be for the next five or so years personally so plenty of opportunity

Owner financing and HELOC on personal residence How did you add value to the deal?

Average person can't visualize how to fix it, but you can (create an extra bedroom for example)3.