Another investor in our mortgage fund wanted to visit every borrower and discuss their personal financial situation with them.  

Considering all the factors in today's real estate market, how would you guys recommend investing this money? 

Quote from @Evan Arkell: I am 20 years old and ready and willing to work and reach financial freedom!!

I'm located near Great Falls in central Montana.I have been self-employed for about 4 years and love what I do, so my goal is to build total wealth long-term, not to maximize cash flow for FIRE/financial freedom in the near-term.

Its the best way for anyone to get started IMO.Will add that in todays market you might need to put down more than the minimum 3.5-5% in order to not be cash flow negative.

You have a strong financial foundation so you will be OK.

I'm still a big fan of this strategy and use it today. 

Any LTR operator knows that a lease offers some legal protections to the lessor, and this includes financial obligations on the lessee.

If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

Dave Ramsey is proud of you ;)There's no 'right' time to pull out the HELOC bc its a floating rate until you draw so it might be 9% today and 10% tomorrow and 8% the day after.