Overall I would personally consider how I can still grow with the freedom that I have focusing on my real estate.

You are going to send your wife to personally unclog that toilet.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

suggest you think of using digital business cards, but not typical ones like all solutions out there, something that is the first AI-powered digital business card and offers AI persona, which handle client questions and would act as your 24/7 personal assistant. it’s called Avatalk,

can anyone you know in person vouch for this lender? 

If I understand correctly; the seller would receive 80% ($40,000) directly from the mortgagee at closing and would enter into a personal agreement with me for the 20% down payment ($10,000) in which he would be reimbursed separately from my mortgage payments at a separately agreed upon rate and term?

But if you see the value in investing money into your own personal education, then maybe this could be a good fit for you.

i have seen many do very well getting on a team.Myself personally I would concentrate on listings 1000%  Buyers only if well knownand wont waste your time. 

She'd probably be able to put you on the line as a co-borrower.I've done this personally and it's been great for me and my situation!

So it's just personal preference and budget for a host.