You've done a great job with keeping your debt low so I have no concerns about your level of discipline to use/reuse a line of credit.All the best!

Never built in Houston before so take my feedback with a grain of salt but I'd put money on it being impossible to build a duplex from scratch for $125 a foot (including everything from drawings, engineering, permit fees, general conditions, labor, material, landscaping).Out here in AZ the builder cost is going to be $200 a foot at best, but add 20% on top of that for the client cost.

Most people will sell you on the upside—cheap properties, high cash flow, and a growing city—but they conveniently skip over the challenges.Tenant risk is real.

Just closed on my first loan with them.

If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

Even after renting, you should check the market every month or so to keep an eye on prices, vacancy rates, etc.

Assessments are dependent on what they were for.

Most 1099s are available online now, and if not, you can always scan them to an electronic format.

Congrats on turning that boutique motel into a success!

And my Dad in the 70s told me about fake lenders to.. make a living on upfront fees and never lend..