On the other hand, true private lenders are not professional lenders and hedge fund type lenders (which is what hard money lenders are), but instead are regular people in your circle and sphere of influence.

Also, most Umbrella Policies only pay out if your underlying policy pays out, and the underlying policy will do everything they can to find an exclusion or that you were negligent (which you probably were) in the cause of action to get out of paying the claim.

I have no debt aside from the properties and regular monthly credit card debt.

(I'd love to just do a regular assumption on these, but I've more or less maxed out the number of houses I can buy in my name already)What I've done on these sub-to deals in the past:1.

Pretty much any regular bank / lender is going to require themselves to be in first position on all the properties... so I don't think a HELOC type solution is going to work across multiple properties with multiple lenders.  

No reason they could claim discrimination for a rent increase.

I thought the regular "free" Stessa account was ok.

Don't be swayed by the YouTube gurus claiming everyone can buy 27 properties in six months with no money down.

It is not the saturation from regular hosts.

They do a good job of regularly releasing episodes and they frequently talk about starting out with their initial capital pool and growing their business.