@Chris Seveney  This is exactly what's happening but they aren't out there looking for the sophisticated investors. 

Hey Chris,I have an example Scope of Work document uploaded to my fileplace which has a list of common Scope of Work items and descriptions to get bids from your Contractors, which might be helpful.https://www.biggerpockets.com/files/user/drobertson/file/sample-contractors-scope-of-work-documents

good luck,Chris

@Chris Seveney is normally correct here in that "most" people making 6-7 figures are simply selling courses. 

Hi @Chris Mason,Thank you for the explanation, a lot of this actually goes over my head but I can extrapolate some of what you said.

It depends but I align to Chris and add that I think there will be a new normal and fluctuate between 5% - 8% and can look at dips to better your rate. 

Quote from @Chris Harjes: Check with Joshua at Nantahala Bank. 

Quote from @Chris Seveney: @Edwin SaldivarLiving in one house will be difficult to get financing as a HML will not finance a property with an owner occupied intent.

@Chris SeveneyWe've done friends and family, posting on FB groups, LinkedIn posts.

Chris: What does happen if they file bankruptcy ?