Hi,Thank you for sharing your experience and insights from being in the private money lending (PML) and hard money lending (HML) space for decades.

Quote from @Emily Gowen: I only recommend investors sell when they can move the money to a better-performing investment or when the sale moves them closer to a specific goal.

However, I think for the average person this is probably not true. 

No problem, I had cash from a refi, a HELOC, and a personal LOC.

what kind of investment was/is this  a little more detail may protect others if you think this person is a financial predator.  

You’ll get a better return over the long-term by putting your money in the stock market.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

Maybe they don't need the money now but in 5 years they wan to send a grand child to college.

@Malcolm Brown it is great that you are thinking of the money to fund the deals you are going to get started with but understanding what a deal is, I think, should be the starting point. 

With the money from my savings and stocks I have about 100k .