Find out what financial problem you are trying to solve in the short term until your able to get to more "long term" problems that real estate helps with 

.: RAD encourages investors to make them hard money loans (that are really unsecured) with a 20% interest rate because the "REIT is full" or there is "a waitlist" to get in on the opportunities. pretty tough if not impossible to  take on 20% long term debt on buy and hold / rent model.. its tough at 10% let alone double that .. 

I'm looking to finance the project long term in a way that is helps me create positive cashflow.

Leverage your construction skills for flips, start with smaller projects to minimize risk, and consider house hacking or long-term rentals for a steady income.

I would also weigh if you plan on staying in the home you are in now for a long time or move in the next 5 years.

Pretty common, you can definitely use commission as down payment conventional loans and not have it count toward IPC as long as you're on the loan. 

Investment Info:

Single-family residence buy & hold investment.

Purchase price: $145,000

I am the managing and credit partner on this investment. We have had the same tenant in this property since we...

If it's worth that much, taking a HELOC on it should not be an issue at all long-term or short-term as long as the bank will do it.

In addition to property sourcing, I require an agent who can negotiate effectively on my behalf, ensuring I secure the best possible deals.If you have experience in identifying distressed properties or working with real estate investors in Florida, I would love to connect.

A Roth IRA Conversion lets you convert funds, pay taxes upfront, and withdraw contributions tax- and penalty-free after 5 years, offering a longer-term solution.This post does not create a CPA-Client relationship.