The AIO and 1st lien or HELOC strategy is not meant for financial undisciplined people but you're right if you're undisciplined a fixed loan may often be better because typically that person cannot put extra principle in their loan anyway but they might frivolously spend all their available line credit anyway.Where I'm from, once upon a time (not so long ago), home loan interest rates were well into double digit interest rates.

Jakes is the Casino,,,,,,,,,,MTM is NOT the way to go, way to much work, if MTM was so great I would do it, 

Our investor class is not primarily made up of other real estate investors looking for double digit returns but a mix of accredited and non accredited investors looking for diversity and monthly distributions.

@Lance Neighbors wondering if the new casino will change things.

If you want to be more on the knowledge/digital side of skill, marketing is a good place to start.

I honestly don't believe anyone should be paying double-digit interest rates for hard money, and I'm on a mission to change that. 

The biggest advantage of having a good buyers agent to me is the comps they know to better value your potential property, the digital offer PSA and connections to a good inspector and lender. 

Platforms like PropStream, REI Reply, and DealMachine can help with property data and lead generation.Digital Contracts and E-signatures: Make use of digital contract platforms like DocuSign or Dotloop to handle agreements virtually without needing to meet in person.4.

Reference: https://www.naics.com/six-digit-naics/?

Commercial mortgage lenders don't like doing small loans, so this will be a lot more viable if the total debt amount being refinanced has seven digits instead of six digits.