If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

Usually the lender will charge an extension fee to keep the same rate.

Alternatively they can purchase a portfolio of occupied homes at a discounted price because the seller of the portfolio in most instances first tried their hand at selling the homes individually to the owner occupant and after experiencing 13-15% in disposition fees and expenses realized its not worth the effort and better to package the assets and sell discounted to another investor.Keep in mind, most of these SFH's are in stagnant markets meaning limited appreciation and if you ever took the time to look at an amortization schedule  there's no meaningful principal paydown for many years.

I've been very involved in this forum for a long time, and I can't recall too many instances where this community has been negative towards notes.

Of course there is now speculations about a possible extension of this deadline.

Joseph, starting a hard money lending company in DFW sounds like a great move given your extensive experience in real estate!

The bank said they won't give me an extension forever while I am looking for a tenant. 

And in one instance I tried to warn them..

By gaining insight into the investor’s goals—whether it’s flipping properties, acquiring rental units, or developing new constructions—the broker can tailor their approach and identify the most suitable lending options.Once the broker comprehends the investor's needs, they leverage their extensive network of private lenders.

The Aura frame package, for instance, came in at just $5,000.