Also if any NJ agents that are familiar with using these and transitioning out of them can reach out for some advice and education that would be great seeing that I will need an investor Friendly agent over here to help guide me through everything.

However, educate yourself on how to lend correctly or partner with a full time private lending company to limit your risk.  

I've obsessively been listening to every podcast episode I can, reading all the books, and signing up for any and every workshop and educational seminar.

Get people financially educated and let them buy their own houses.

Did you attend educational courses to enhance your real estate knowledge?

Educating yourself on how to offer 5-star remote management would be ideal as well!

Sadly the underwriting seems to have been an oversight in the areas you had mentioned, of course sponsors will always cast the brightest light on every situation but we and they must remember we aren't paying for their education but expect the experts to lead the investors thru experience and wisdom.

Just know that the majority of those in the 'education segment' of real estate are presenting you their information to make the speaker money... and if you happen to benefit too... that 's great!  

Thank you,Jerry Jerry, I recommend getting in touch with an experienced broker who can educate you on all the possible options in the investment space for cash-out refinances.

Happy to connect and educate some more whenever your schedule permits!