While I do not have an official W-2 currently, I do have a steady income, great credit, and have money saved as well from working since I was 13 years old.I relate to Ian Kay in his journey but also am very determined to make my goals/dreams a reality this year by July 2025.

A line of credit won’t commit you to a monthly payment unless you use the money, so you can avoid paying interest when it’s not in use.

Just do your numbers and control the deal to make money.  

I'd recommend listening to this episode of BiggerPockets Money and then using the linked spreadsheet to help you decide https://www.biggerpockets.com/blog/money-572

I am the boots on the ground and provide all of the time and my partners supply the money.

Quote from @Susana Alcorta: Hello,I'm a long-time listener of the Bigger Pockets Money Podcast.

If I had to guess I would say your money could “develop” 1-2 houses in Staten Island but in the right market you could easily get up to 12 or possibly more good units fully paid for.

I also have money saved up for a down payment on another property.

Money?

This is what blows my mind about the cults of seller finance - they teach you to pay anything for a home because you can put little money into it.