Typically this means they will take longer to close, may not have all the information for the companies they work with, and most hard money brokers get their money by taking an existing product and adding extra points to pay their fee.What is your investor success rate?

With the money from my savings and stocks I have about 100k . 

As long as you're doing that, there's always a risk, and 50 years from now it will probably be illegal everywhere to operate STRs in residential zoning, just like it's illegal to operate a steel mill there. 

If they are struggling then money they spend in one area affects their ability to pay other bills like rent.

Quote from @Dan Mcguire: One reason not to invest, is not to lose money.

Quote from @Chris Hertig: We recently purchased a multi-family property and have someone living illegally in an uninhabitable, detached garage. 

This is a debt society and debt is money. 

You won't be forced to de-convert unless you have violations...eventually the city will start fining you.Very critical terms are non-conforming (no violations - grandfathered in) vs. illegal (violations)...

Quote from @Martin Streich: @Sami Gren  it is illegal to edit a contract midtermThat is not true.

How do you become a broker for hard money lending?