And it also doesn't help that we're putting tarriffs on a bunch of key materials (steel and aluminum) which is going to drive up the price of materials yet again. 

I was also getting credit card balance transfer offers at 0% promotional rates for a year to a year and a half and I started transferring my HELOC balances to the promotional credit cards.

Even after the split in early 2018, you continued to promote NB Private Capital deals (up until Dec 2020).It’s also misleading that you state “Once COVID hit the industry, we no longer represented student housing from any of our sponsors.”

Few agents in the market understand seller finance and the many ways it can be structured, and few will sometimes promote it, but the rest are just risk averse.

Many education programs that could be scams promote junk services and the quality of all they sell or promote is definitely junk. 

A 0% APR credit card is a smart move for materials, but for labor costs, you might explore a private or hard money lender, especially since your loan term is only 3-4 months.

I think most people have no idea about theses products.In these times of tight inventory, I've been promoting for years that buyers should consider these types of renovation loans, or to buy new builds.

In terms of material participation for cost seg I'm good there and meet the requirements. 

Material participation hours by default do need to be for each property separately. 

Let’s prioritize practical solutions that promote compliance, affordability, and overall safety for residents.