I monitor the Houston forum, so I have read many of your posts - The primary theme I see in your posts is that you generously offer your time and expertise to new investors and allow a group of new or wannabe investors the opportunity to walk your flips and tag along with you while you are looking for or working on a project - very generous of you - I see that you were able to give an amazing opportunity to a new investor when she may have not had the confidence to move forward on her own without your guidance - I am a fan of collaborating with other investors when you do not have the funds to complete a project on your own ... it can be a win/win opportunity that otherwise would have to be passed up ......However, when I read the details in this post, a few things come to mind - it seems that you used very little of your own money ...$5,000?

I exchanged messages with another (very generous and informative) investor recently about seller financing and he described it like you, with the healthy down payment and slightly higher interest rate, but I couldn't wrap my head around a buyer with $25k in their bank account who can afford a higher interest rate and slightly higher monthly payments that couldn't qualify for a traditional loan.

I take a more generous approach. 

I already participate a generous amount of my paycheck in a 401k program, so I am partly looking to diversify.

@Brunno Goncalves I would say I am sorry to hear about your damage and that you hope they are able to find the responsible person for this damage but unfortunately since you were not there you have no way of knowing who may have caused this.If you really feel generous or bad about this damage you could say that "If you can't find the guilty party you would be willing to chip in on the cost of their deductible" That way they claim it on their insurance instead of trying to sue you.

There would be no refinance in this situation since there was no original financing to begin with.As for the credit cards, to get a single card with a 20k or more limit would be based on your credit history, but American Express has been known to be generous with initial limits and credit limit increases after 60 days of opening the account and then 6 months again after that.

I have a maintenance person NOW who does that and so I might use HIM for this, with a gesture stipend for being on call 24/7 and use HER for leasing (vs. my wife, because she REALLY wants to be done she's just having trouble letting it go).

The allure comes from very generous common spaces, lounge areas, outdoor space, pool areas, gyms and - I have even seen an indoor golf simulator.

If you're worried, drink BCAAs intra-workout and intra-cardio.I wanted to give a personal shout-out to Mike Dymski and Minh Le, who were always generous with their time.

@Jason DiClemente I think you're being too generous about  them not caring about personal DTI. as a first multi and not much history, personal financials will be an important factor)-credit score doesn't get whacked too bad after your credit utilization goes way up-have 6 months of reserves, and maybe more -property is profitable to support both debt servicesthen you can probably knock this out.