Hello BiggerPockets community,I’m currently navigating a challenging situation and would appreciate some advice from this knowledgeable community.Property Details:Property 1: SF Detached 4 Bedroom 2.5 bath, Atlanta GA, approx 297k ValueProperty 2: SF Townhouse Atlanta GA, approx 197k ValueSituation: I have a $286,000 debt secured by these two properties.

Since loans are considered securities, most states require a security exemption, which can be prohibitively expensive.At least one state, California, automatically grants licensed CA real estate brokers an exemption without requiring them to go through the expensive registration process.  

I am curious to see what steps do you have or requirements do you put in place to ensure you are securing the right tenant? 

What a day it’s been, I’ve officially closed on my first rental property! 

So, if you go out and make 1,000 calls (a whopping 4% of availability) and have secured no deals with the above strategy - come on back and I'd be happy to give you your first deal. 

If you're purchasing a new primary you can tap an FHA loan for 1-4 units with 3.5% down, if you can secure a seller concession it could limit the amount of equity needed..if not a new multi family primary you'll need a larger downpayment (15-25%) depending on the property type and occupancy.

This is tough.Depends on how fuzzy you want the business/family line to be.The only thing I'd be absolutely sure of is that your money has more tangible security than being a "personal loan" EVEN IF you cut him a break on cost. 

I sent her the check for returned security deposit by certified mail to a P.O. box she provided me.

Use a Secured Credit CardIf you have a low credit score or no credit history, consider a secured credit card.

I had a guest that waited 30 days for a credit to his AMEX for a refunded security deposit.