Right now, I'm reading and learning everything I can while saving up cash to get started next year investing.

The you drain all of your savings unless you have more and how will you pay your taxes and insurance?

If there is any way to save to househack a 2-4 unit building, I would also consider that. 

Your credit score (672) is a bit on the lower side, which may also be contributing to the higher interest rate and cost.Have you looked into working with private lenders or small local portfolio lenders?

Speaking to an asset protection attorney about this where you can discuss your personal assets and business assets in a private conversation might be something you would want to look into.

I'm familiar with how a hard money loan is structured, but structuring a deal from a private lender seems like the wild west.

If you need more information pls send me a private message or just reply my post thanks

(optional)Kitchen Remodel (2020): Updated countertops, cabinets, and installed new stainless steel appliances.Bathroom Renovation (2019): Added new tiles, modern fixtures, and a glass shower enclosure in the master bathroom.Finished Basement (2018): Added 600 sq. ft. of finished space, including a family room and home office.New Roof (2021): Replaced the entire roof with new shingles and added improved insulation.Landscaping (2022): Redesigned front and backyard with new plants, sod, and an outdoor seating area.Energy-Efficient Windows (2020): Installed energy-saving windows throughout the home.

I am now handling all my props myself saving let's just say a few bux each month., 

It also saves you the hassle of trying to locate the owner.