I intend to publish these details as part of my review and highlight how, despite reassurances from Dutch, RAD’s policies are designed in a way that restricts access to funds. have you ever thought that maybe there are no funds is why they are not returning them.

I am eager to learn the in's and out's of Charlotte residential real estate market as well as gain some experience flipping houses while turning a healthy profit for myself and investors. 

Retaining your current home at a 2.875% mortgage rate maximizes cash flow, while accessing $65K in equity provides liquidity for your next steps.

For example, you could create a weighted structure where a percentage of profits is based on cash contributions, and another portion compensates for rehab or management efforts.Rent Payments and Tax-Free Profits:If you structure it as an owner-occupied property, the rent you pay could be shared proportionally, but tax-free gains on resale may only apply to your share, as you’d be the owner-occupant.

It's set up to be accessible and appealing to your audience.

Also Chip and Joann Gaines and put this town on the map with their show on TV.

So your capital gain when you sell this property will be calculate against your tax basis and not against your mortgage as many investors expect.

You’ve gained valuable experience from your first duplex and are now approaching real estate with a strategic mindset

My approach isn’t aiming for an overnight transformation but rather a gradual strategy where I reinvest equity gains and cash flow into scalable opportunities.

In your scenario you'd have a potential tax event on that $200K difference.Here's a creative way to access most of that money tax free however.