If you have ever learned something important by trial and error, then you can probably understand the frustration that you feel when you make a "rookie mistake" or a simple error that creates a big negative result.

For example if I sold my business then used the proceeds to acquire another one or several? 

Then use a small chunk as "learning money" so if you don't lose it all, it won't be detrimental.

Raise fees on building permits, give tax credits on renovations.Suburban sprawl really hasn't been a good thing for the US.Of course, it's all about supply & demand.But, if you can figure out why more people want to live in Hazel Park (leading to teardowns & rebuilds) versus south Warren or Eastpointe (nothing happening) then you can make millions.

I'd simply explain they can use Zelle until the renewal, then the portal will be the preferred method.

Quote from @Melanie Baldridge: In 2025 the bonus depreciation rate is 40%.This means that if you bought a property for $1M in 2025, did a cost seg study and found $300K in eligible assets that you could depreciate, you could take 40% of that $300K as bonus depreciation to offset your income in the first year.40% of $300K = $120K.You then apply that $120K to the owner’s personal tax rate to find the final amount that they can defer in year 1.If your tax rate is 37%, you can defer $66.6K.This is a big deal even at the 40% bonus depreciation rate this year.It’s a massive benefit 

If they do need financing, then speak with your lender about their new build financing options. 

second was Hard money it was legal then. 

If you're wanting to use leverage to buy more properties, then once your credit is around 680+, one strategy would be to cashout refi your current property at around 50% LTV.

If those were also initially funded with debt like a HELOC, then it would also qualify as replacement debt. - If you just personally paid for the renovations then the interest won't be deductible because "paying yourself back" doesn't qualify.