Since they already have first lien, they are more likely to offer a second.

Specifically, I’d like guidance on what to offer the investor(s) for the use of their funds over a 12-24 month period.

I welcome any other guidance you have to offer!

BP has helped me meet real people in real life who are able to offer advice and exchange idea.

When buyers see a lot of inventory and many months on market, it empowers them to negotiate more, this lowers prices, which in turn lowers comps, which prompts more sellers to sell out of concern, discourages buyer to make that "investment", causing more inventory and encourages the remaining buyers to offer "ahead of" where the market is going, which is anticipated even lower...I have always said, once the first row of houses is washed into the ocean, watch how quickly the for sale signs pop up in the second row.

I am usually able to offer my clients 90% on a hard money loan. 

While they tend to offer lower returns than stocks or real estate, they provide stability and consistent income.Another potential avenue is health savings accounts (HSAs), which offer a triple tax benefit—contributions are tax-deductible, earnings grow tax-free, and withdrawals are tax-free if used for qualified medical expenses.

My current idea is to offer a full cash (heloc) offer of $120K. 

In addition, targeted searches for "apartments 77008" and "greater heights apartments" have lower competition which provides a great opportunity for organic and lower cost of acquisition.Household Composition: 77008 shows balanced demand for both family-oriented housing and non-family units, promoting investments in single-family homes and high-quality apartments. 77063 indicates higher demand for rental units and smaller homes, focusing on apartments and affordable housing options.Despite higher entry costs and a lower percentage of renter-occupied units, 77008 appears to offer better prospects for appreciation and lower vacancy rates, making it a more suitable choice for investment.Greater Heights OverviewThe Greater Heights area (77008), often referred to as "The Heights," is renowned for its prime location offering a blend of amenities, top-rated schools, and abundant job opportunities.

Understanding local tourism patterns can help you adjust rental prices.STR Regulations: Many cities are tightening regulations on short-term rentals, which could push more property owners to offer mid-term leases as an alternative, increasing competition in this space.9.