Make sure you have good contact info for all those people....full name, address, phone, email, FB, IG, Linkedin....if possible Bday and Anniversary dates.....so you want all that for everyone in your phone today, in FB, IG, and Linkedin....then all the people you don't have in those places, but should like your neighbors or relatives...school friends, sport friends, frat brothers, church friends, co-workers, etc....then branch out to all the people you do business with today....dentist, doctor, car dealership, bank, starbucks, or whoever.   

HSA money is instantly available (all of it) for qualified medical expenses (medical office visits for doctor, dentist, optical, mental health; prescriptions for most meds, procedures, even Medicare premiums when he gets there).  

Thus far in life, weather it's a doctor, dentist, or professional service, the transition always seems to go downhill. 

I make an excellent income as a dentist, and I live very frugally.  

@Chris Martin  is exactly right.. private money on its face is Private.. they have no website they don't advertise.. private lenders are your dentist who has a few hundred grand in his self directed IRA and when your getting your teeth cleaned you start talking about real estate and what you could pay is much better.Or Private folks you meet at meet ups... what you will find and there are a bunch of them trolling BP as well they are simply Due diligence pump and dump schemes.. offer you terms that are too good to be true.. and since your a beginner you have no clue.. and you gladly send them a little money up front because its sound reasonable.. and they just keep at you until you finally wake up and realize your not getting a loan at those rates and or a loan period that you have simply fallen for yet another scam artist. 

like if your getting your teeth cleaned and your dentist is moaning about making 1% on his SIDRA or does not like the stock market and you can talk to him about a real estate deal.. that is a private lender in the strictest meaning.Many HML are now advertising they are private money .. with the nuance that borrowers will somehow think they are cheaper than HML.. its all marketing perception. 

I do see these type of properties as Dentist or Vets etc.....Good luck! 

And a dentist listed a judgment he had against the Kardashian family.Comments welcome.

It is hard to pay labourers 15$ per hour when you go to the dentist and one unit of scaling (15 minutes) cost 75$.  

I have spoken to people like my dentist and a woman I'm friendly with who works at the grocery store.