Hard money is sort of a last resort, that's typically meant to be a short-term solution and will carry a higher rate and/or fees compared to most other options. 

I put a lot of thought and design into the pallet and design, wanting to cultivate a space that was the opposite of the 100 kitchy-moose and "ski chalets" that are in the area (no judgment -- just not for me!).   

@Rome Gal, btw La Costa Resort and Carlsbad Village Inn both sell the same business model as the Hard Rock Hotel in downtown SD.

Ski resorts, Hill AFB, Northrop Grumman, hospitals up north in Davis and Weber county.

There are plenty, and happy to give projections via email, Orlando is different to beach or ski resort markets, and bedroom count in Orlando is king, coupled with a solid HOA.

And if a company needs to resort to hiring him to market their props that means those props are not very good or poor investments

SalIda, Colorado is a beautiful mountain town built on the Arkansas River, near Monarch Ski Area.

I don’t believe Dave is speaking to property investing when he speaks with folk, rather just advising people not to finance another car/boat/jet ski or what have you.As for financing vs cash purchases, it just depends on your goals, the latter certainly makes it cheaper but the former will allow you to acquire more, define your goals and figure out what you need to do to get there.But Dave is right, you should avoid taking debt unnecessarily and in this Dave’s opinion without goals all debt is unnecessary. 

Cash for keys is a good last resort, but not a good primary option. 

But while rates went up the ski lift on the incline, they will likely come down the bunny slopes on the backside.