Yea, my risk tolerance isn't super low, but I don't want to stretch myself too thin and end up a "successful to homeless" story either if something should happen. 

What are some reliable hard cash lenders that some of you used that stretched repayment out to 2 years?

I must have talked to every builder in Austin over that stretch. 

Only do deals that really make sense and don't stretch.

Some of this list is national lenders and a lot of this list is super regional (i.e. the bank has a footprint that stretches over 5 states).There are options in that list (assuming they're not pulling their offerings the last few weeks) that are available in North Carolina.

It also has stretches that look like a post-apocalyptic junkie-ridden wasteland (i.e.

To both maximize profits, and to stretch our dollars so we COULD be financially independent.  

I'm not a handyman by any stretch of the imagination, and I'm not sure that I have the connections or the resources to compensate for that deficiency, so I think it best to avoid flipping.

Hello Hunter, Depending on the rental income, you may be able to refinance up to 75% of the appraised value on a cash out refi with less than 6 months seasoning on a DSCR loan.80% is definitely a stretch.

Anything under about 3% (undergrad loans) I'm going to stretch out as long as possible, as I suspect they are not even keeping up with inflation.