Lastly, they’re going to want a higher interest rate than they can get from the bank for taking the risk.

Getting to the point of why I am here - It seems I have the ability to open an HSA at any bank that offers them, then do a rollover from Optum for $20.

Traditional bank loans can be slow and have strict requirements, while hard money and private lending seem to offer more flexibility.For those who’ve secured funding before, what’s been your experience?

Quote from @Danielle DeCormis: Working on a deal where the home has been foreclosed on by the bank but they indicate they have no knowledge of the solar panels or whether there is a lien. 

Currently Im in the process of renovating an ADU above my garage to become my first STR, its a slow process but am looking for some expert contracting help that won't break the bank!  

If you find a seller willing to carry a note, you might be able to negotiate an arrangement that works without needing traditional bank financing.Another approach would be to partner with someone who has capital but lacks construction expertise.

Rents will keep raising in most markets so bank on that for additional cash flow in the upcoming years.

Not to mention the notario, the bank trust, and other hoops to own in a beachfront community outside the United States. 

She uses QBO and is linked to my online banking and a couple of credit cards.

Well, not so fast.For every successful flip, there is an account of some nightmare project that sucked the bank account of someone dry.