The AIO and 1st lien or HELOC strategy is not meant for financial undisciplined people but you're right if you're undisciplined a fixed loan may often be better because typically that person cannot put extra principle in their loan anyway but they might frivolously spend all their available line credit anyway.Where I'm from, once upon a time (not so long ago), home loan interest rates were well into double digit interest rates.

Our investor class is not primarily made up of other real estate investors looking for double digit returns but a mix of accredited and non accredited investors looking for diversity and monthly distributions.

If you want to be more on the knowledge/digital side of skill, marketing is a good place to start.

I honestly don't believe anyone should be paying double-digit interest rates for hard money, and I'm on a mission to change that. 

The biggest advantage of having a good buyers agent to me is the comps they know to better value your potential property, the digital offer PSA and connections to a good inspector and lender. 

Platforms like PropStream, REI Reply, and DealMachine can help with property data and lead generation.Digital Contracts and E-signatures: Make use of digital contract platforms like DocuSign or Dotloop to handle agreements virtually without needing to meet in person.4.

Reference: https://www.naics.com/six-digit-naics/?

Commercial mortgage lenders don't like doing small loans, so this will be a lot more viable if the total debt amount being refinanced has seven digits instead of six digits. 

May also wish to have a digital keypad for allowing access to the garage.

I'm new to real estate investing I literally just made this profile I have like 12000$ in savings my thought is shoot even if they have my cc I can just cancel the whole cc and report fraud im considering getting rei reply because I know the cost of technology my experience is in digital marketingim 25 and I'm laughing at the people who can't afford a 49$ loss at maximumand you are calling yourself a investor?