I'm looking  for some suggestions or a strategy as I'm somewhat of a novice real estate investor with a couple rentals.

My name is Shea Bartolino and I would consider myself a novice within the real estate world.

You've categorized our loans well, and our borrower is probably not the novice investor with little capital to put in; but we've done multiple simultaneous deals will full-time investors, so I think the amount of leverage we provide to cost works for the right person.One thing that I've noticed is that a lot of HMLs have inflexible rates (one local lender does 15/4, even at 60% LTV).

Agents using the climbing interest rate theory are making a quite novice claim in my opinion.

I'm still a novice compared to many folks in the community, which is why I'm posting here in "Starting Out." 

An experienced Realtor will present a 40 page contract better than a novice can submit a 1 page contract.

I am currently in a refi for my primary residence, so I am going to see if I can take out 15k or so.I apologize if these are novice questions.

. -- Jonathan hit the nail on the head... when of the best things you can do as a novice investor is partner with an experienced investor.

I would love to talk to some seasoned vets in NJ and discuss experiences with people in the same boat as me(i cant stand the name "Newbie" so lets just say Novices) lol.

Don't forget also that downturns are particularly bad for novice flippers that bet on appreciation.