Depending on your loan structure I'm not even sure you could legally offer a personal guarantee outside of the loan for that money without committing mortgage fraud, as anything that could hinder the ability of the primary lender to recover their principal is supposed to be declared during their diligence period, and any material changes up to the point of taking the loan are supposed to be disclosed as well.

This allowed me to save over $1,200 per month on my payment and also increased my principal paydown by over $400 per payment compared to financing a new "high interest" loan! 

0 Chance.Cmon, pay for insurance or just don't own real estate.Trying to gain an extra 2-3% ROI and risk your entire principal is just stupid.Don't be cheap, get insurance.

i think it's because of the tremendous rise in home equity in the past 5 years.i used a HELOC to (1) help with a down payment on a short term loan, that I then paid back in full when I refinanced; and (2) to consolidate some higher interest debt, which I am now paying back by making extra payments against the principal since HELOCs are generally interest only for the first 5-10 years. 

Principal, interest, taxes and insurance. 280k with 20% down at 7% = about $1500 a month for PI.

And it required a lot of time and effort on my part whereas the syndication stuff is purely passive.But there's no way anybody can tell me that sfh rentals - if they are bought right at 70% ltv or better - are not going to return way more than anything else on the planet when you factor in how little money you actually have to put into them to begin with and then you let appreciation and principal paydown and rental profits pile up. 

Yes as you pay down the mortgage you will gain equity that way, but the interest is front loaded so it takes time to build that equity from principal paydown.

I came out of that employment so wounded at what I saw and how it affected the two principals I swore I would never be  a syndicator the downside risk was just to REAL. 

Bookkeeping when it comes to real estate investments can get tricky.I often find the following mistakes occur1) They fully write off the mortgage payment when in reality the mortgage payment is broken down into Interest, principal paydown and an increase into the escrow account.2) If the property is managed by a PM company, do not factor in the PM Statement3) do not calculate depreciation expenseBest of luck in your search for a proper bookkeper.

I have a list of maybe 15 note buyers and feel that if it's not an absolute deal killer, one will accept that they get the head of the note and my loan is 100% LTV against the tail.If you have to partial first to build a note portfolio that meets minimum loan amounts for lenders, then you have an order of operations problemThe only thing I can think of here is to write in the partial sale terms that I have the right to take a loan against up to 50% of the UPB on the note and retain the full right to collateralize it for loan purposes, as if I were the sole principal.