Nothing very large or over the top.

I like the idea of using a HELOC over a personal loan and going with option 2, but it depends on what your goals are.

You are way too over leveraged."

Better to spend $60-80k for a conversion than over 120k.  

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan. 

Maybe try to find someone like that who is just starting out and realizes that real estate is the golden goose over building their own law firm?  

Too many people try something for a short time and are looking for the magic bullet strategy but the true winners in real estate are those that do one thing a bunch of times over a long time periodHope that helps!

All in all it ended up taking just over 2 months to get the plans approved because everything had to be done by email.

.: I haven't passed this past legal review so for what its worth: Part of my standard requirements for everyone include income is at least 3X rent, minimum credit score, say 640, Clean record and no evictions as well as deposit is paid in full at signing of lease and 1st month rent is paid in full prior to handing over the keys.

It is pushed over and over and over, especially on social channels and from service providers, and often interchanged with other terms and defined differently constantly, but mentioned again and again.